The Business Model Innovation Research Of"zhenrongbao"Internet Asset Management Platform

With the improvement of per capita wealth of Chinese residents,asset management and wealth management industry will usher in a great space for development,at the same time,the Internet,large data as the representative of the new technology gradually traditional financial industry has a significant impact,and developed into a nouvelle change the pattern of traditional finance,known as Internet finance.Internet finance has fundamentally changed the traditional financial business model,so its innovation has brought a qualitative change,but also for business model innovation theory provides a reliable practical support,but in these innovative business models,part of the market test gradually decline,and the other part through continuous self-adjustment and optimization has become the customer's choice and capital of the new darling.This paper makes the research of of Zhenrongbao internet asset platform,starting from the business model elements,combined with the theory of Internet financial and business model innovation,based on the spot investigation,introduces the background of the birth of Zhenrongbao platform,analyzes the present situation and existing problems of Zhenrongbao platform business model.A business model innovation program is built in Zhenrongbao platform,the intelligent investment adviser,big data and other innovative tools are applied in Zhenrongbao platform,and further risk control measures and recommendations is put forward.Internet finance has been attracting much attention in the development process,and the process is full of hardships and frustrations.It is hoped that the research of this paper will serve as a reference for Internet financial institutions in business model selection or innovation.