| The rapid development of Internet financial services and the intelligent development of mobile phones have gradually changed the lifestyle of Chinese residents and financial institutions.By the beginning of 2017,the number of mobile phone users in China will be close to 1.32 billion,accounting for 96.2% of the total population of China.In 2018,the total number of mobile phone users in China will be about 1.57 billion.It can be seen that mobile phones have entered thousands of households and become one of the essential communication tools for individuals,so the medium network for communication becomes particularly important.However,it is inevitable for commercial Banks to introduce mobile banking and develop mobile Internet financial services.Therefore,this paper takes the development of mobile credit loan of commercial Banks as the subject to carry out research.Firstly,this paper analyzes the background and trend of the development of mobile credit in commercial Banks.It is pointed out that in the new era of rapid development of informatization and big data technology,it has become an irreversible trend for Chinese residents to use mobile client to browse web pages and use financial services.The massive use of alibaba and WeChat payment is a strong proof.It is an inevitable trend for China’s major Banks to get involved in P2 P finance,which also plays a promoting role in regulating the development of mobile Internet finance.Therefore,the research on the development of personal credit loan "mobility" of commercial Banks has strong practical significance.This paper takes A commercial bank as an example to analyze the case.This paper analyzes the current situation of personal credit loan business of A commercial bank and the promotion of mobile banking of A commercial bank.SWOT analysis method is introduced to analyze the market environment for A commercial bank to carry out mobile personal credit business.The results show that A commercial bank ranks top among commercial Banks in both the existing personal credit business and the promotion of mobile banking,but still suffers from the impact of Internet financial products.It is an inevitable trend for A commercial bank to develop corresponding mobile client to realize the mobility of credit business.Thirdly,this paper adopts swot-ahp method to build an analysis model of the development of mobile credit of A commercial bank.From the horizontal and vertical aspects of a more three-dimensional analysis.This paper points out the influence factors of A commercial bank to promote the mobile credit loan.It points out that: 1)there is A mismatch between the pre-loan management mode of credit management and the credit mobility development of A commercial bank;2)single access to big data;3)less connection and cooperation with third-party applications is the main factor restricting their development.Finally,in view of the development of credit mobile factors.This paper puts forward corresponding improvement Suggestions from the aspects of optimization of credit management process,acquisition and analysis of big data,and strengthening the connection and cooperation of third-party applications. |
