Z Bank Mobile Internet Financial Business Problems And Countermeasures

Under the background of the rapid development of mobile Internet information technology,mobile Internet finance emerges and has a leapfrog development.Thanks to the rapid expansion of mobile payment,China now has been already entered a cashless society.The subversive impact of mobile payment on real society fully shows the huge potential and research value of mobile Internet finance.The further promotion of mobile Internet finance will greatly affect the existing life mode,investment mode and interaction mode with Banks.Now in our country the development of mobile Internet financial environment contrast relative to tighten regulation in its early stage,there are a lot of discipline,but the overall environment vigorously promote the further development of mobile financial innovation,and mobile Internet financial brings commercial Banks a new channel development and business model development,the mobile Internet finance may have a disruptive impact of the commercial Banks in the future,so to study the mobile Internet finance of the commercial Banks how to further innovation and development is realistic significance.This paper first use the method of theoretical analysis to clarify relevant financial concepts and summarize the research results of mobile Internet finance in the past academic circles,so as to provide theoretical basis for the further analysis of the development of Z bank mobile Internet finance,and then conducts a special study on Z bank mobile Internet finance business.Through detailed analysis and research on the development status,development environment,inter-bank development comparison,development direction and development issues of its mobile Internet financial business,it is found that it has problems such as pursuing speed in development,having an empty frame,covering a wide range of business but not being precise,and being insensitive to the update of mobile Internet information technology.In view of these problems,this paper gives specific countermeasures and suggestions from the development of the overall,business details,inner mechanism,promotion marketing,product innovation and channel strategy,with a view to pointing out clear and practical directions for its development mode,strategic direction,development mode,development channel and development innovation.It is hoped that through analyzing and studying the relevant development conclusions and countermeasures of the mobile Internet financial business of Z bank,some ideas will be brought to the development of mobile Internet finance of other commercial Banks in China,and some enlightenment will be played.