The Research On The Development Of SPD Bank's Internet Consumer Finance

As an emerging financial model,Internet finance has attracted a lot of attention.Its development has exerted a huge impact on People's Daily life and work,and has also posed a certain impact on commercial Banks and other traditional financial institutions.Therefore,it is necessary and important to analyze the characteristics,influences and challenges of Internet finance to commercial Banks,and propose corresponding countermeasures.This paper takes the consumer finance business in the Internet era as the research object and takes SPD bank as a typical case to carry out the research.In the research process,this paper USES literature research method,case study method,field investigation method and inductive research method.Firstly,based on the definition of relevant concepts,this study describes the development status and characteristics of China's Internet consumer finance,and compares Internet consumer finance with traditional consumer finance.Secondly,this study takes SPD bank as a typical case to analyze the current situation and problems of its consumer finance business.Finally,this study gives the strategy of SPD bank's consumer finance business innovation.This study believes that the innovation of SPD bank's consumer finance business under the Internet background is mainly carried out from the following four aspects:first,enrich online products and services.Second,gather information resources,make full use of scientific and technological means,comprehensively transform the information system and improve the Internet financial credit management system,so as to provide accurate credit and improve the speed of online and offline loan approval.Thirdly,the key points of risk control should be explored from the perspective of insight into the scenario.Meanwhile,the iteration speed of risk control model should be improved to further tighten internal control so as to control internal and external risks.Fourthly,it is necessary to build a rapid response consumer finance business organizational structure,and transform the business department into a business department,so as to facilitate the development and promotion of Internetconsumer financial products.Fifth,pay attention to the cultivation of Internet financial talents and strengthen team building.The study conclusion of this paper can not only enrich the relevant theoretical research results of the development of consumer finance business,but also have some practical guiding significance for the development of consumer finance business of commercial Banks.