The Expansion Strategy Study Of Networking Loan Products From Bank A

Internet finance,a new financing mode is gradually becoming a vital part of our daily life.Both networking enterprises and traditional financing organizations entered into networking loan market.New financing products have a great impact on traditional finance mode which is not on the same page with current marketing change.IT,especially networking technology under the condition of big data from internet gave some basic data condition for the innovation of traditional financing products.Bank A,one of traditional bank,is changing based on networking big data to implement networking loan products with risk decision mode and create applicable networking loan products as per different customer's data range.Networking loan product of bank A leads a new way for traditional commercial bank.Meanwhile,it has made competition with internet load products from the market.How to make full use of advantage of traditional commercial bank and making consolidation between traditional loan mode and internet loan products is becoming a vital task to support a healthy and stable development of networking loan products.This thesis is to clarify the current situation and root cause analysis from the aspects of investors market,data collection,process design,risk management and assets supply and demand etc.based on the research background and significance.The expansion strategy was finalized based on successful networking loan products cases China and abroad.The expansion strategy like business concept,big data,customer application,risk management and channel construction will be carried out based on objective and applicable etc.principles to make networking loan products more stable in a long term.