A Research On Innovation Of Wuhan Rural Commercial Banks In The Internet Financial

Internet finance has promoted the development of interest rate marketization and financial disintermediation,and the transfer of commercial banks' loans to small and medium enterprises has made small and medium banks face severe challenges and opportunities.As a regional bank,Wuhan rural commercial bank need to upgrade and transform on the characteristic and specialized route.In particular,they need to rely on the Internet,big data and cloud computing technology in business model,organizational structure,business process,marketing channels and other aspects innovation.The paper combs many of the predecessors' theoretical achievements,is written out of theory,and then combined with the real case,to avoid the metaphysical preaching,emphasis on the down to earth,for the development of the new normal in the bank can provide the valuable adviceThis paper is the first introduction,which includes background selection,research purpose,research significance,related theory and literature review,the main innovations of this paper,the main research methods and so on.Then the paper gives the definition of Internet finance and six basic characteristics,analyzes the relevant theories,gives the three main types of Internet finance can pose a threat to the business model of the bank,made a brief analysis and pointed out that the Internet finance affects the three specific aspects of the bank,but also gives the future development trend of commercial banks.Secondly,it analyzes the causes of the ills of the bank,and the external factors are mainly the problems of the social system.The internal factors are mainly the historical problems of the banks themselves,it also describes the dilemma faced by Wuhan Rural Commercial Bank.And then the Wuhan Rural Commercial Bank innovation strategy generation,focusing on SWOT analysis of Wuhan Rural Commercial Bank,through the success stories of two developed countries,summed up the successful experience of developed countries and failed lessons,and it lists the four options of Wuhan Rural Commercial Bank innovation strategy.Finally,focusing on the countermeasure of implementing innovation strategy of Wuhan Rural Commercial Bank,and elaborated the concrete practice of the four strategies of innovation,and the internal control mechanism of Internet bank's risk.The establishment of the future trends and changes,as well as bank organizational structure innovation and so on.