Baoshang Bank's Research On The Problems And Countermeasures Of Internet Finance

With the development of information technology in recent years,the rapid development of Internet technology has had a tremendous impact on the financial industry.The rapid development of science and technology to produce a new financial model,different from the traditional traditional contractual bank indirect financing,but also different from the capital market direct financing,but with the Internet to build a platform,the supply of funds and demand side Through the platform to obtain information in a timely manner,to finance the financing,bypassing the financing of the subcontractors as a new financing model.Compared to the traditional financial model,Internet finance pay more attention to customer experience,to create more convenient and efficient financial platform to serve customers.Based on the theory of financial product innovation and Internet finance,this paper adopts the method of combining normative research with comparative research.The macro strategy focuses on normative research and micro measures to focus on the investigation method.Through the investigation method,the investigation of the business objectives,operating results,business decision-making and management mechanism of the contractor’s bank is carried out to solve the problem of how it should be "business model".It aims to make basic judgment on the adjustment of business strategy.Based on the analysis of the current situation of the contractor bank,this paper discusses the relationship between the bank and the bank The paper analyzes the reasons for the existence of internet financial problems in the contractor bank,analyzes the SWOT of the bank of the contractor bank,and puts forward the countermeasures to deal with the development of Internet finance in the Internet financial background.Through the research of this paper,the main conclusions are as follows: First,the bank should think deeply how to make the business philosophy in the Internet financial era has a certain breakthrough,change ideas,raise awareness,transition is an effective way.Second,the package of banks should abandon the traditional service model,change the financial platform,the establishment of an open platform.The main service concept of Internet finance need transparent information resources to share,and then the layout of the Internet financial market.Third,the Internet financial products in a timely manner innovation is to attract customers to meet customer demand the best way,so in the Internet financial era,the Bank of Banks need to increase the Internet transactions,Internet people’s livelihood,Internet investment,Internet financing and other multi-To meet the individual needs of customers,to win customer credibility,occupy the Internet market position.Fourth,the package of banks need to adjust the risk control model,customer-centric banking business process optimization;the establishment of data-based,process monitoring as the core of the risk management mechanism;technical support,spontaneous analysis of customer transaction information summary,to achieve initiative Of the risk control model;and pay attention to cross-border cooperation,and partners to establish Internet financial risk mitigation mechanism,so that the package of banks in the big data era.