Research On "Internet+Finance" Management Strategy Of TY Commercial Bank

The advent of the Internet era has brought earth-shaking changes to the development of mobile communications,e-commerce,social networks and other fields.As an industry characterized by capital and data intensive,financial industry has higher requirements for the quality of service and service mode of information technology application than other general industries.In the traditional financial field,the content of modern financial products and services based on technology of computer information storage,mining and sharing is constantly emerging.The concept of "Internet+" technology application has gradually become popular among the people,and has aroused wide attention in various industrial fields.In the context of the Internet economy era,in order to adapt to the changes of market demand,many small and medium-sized commercial banks in China have launched telephone banking,online banking,mobile banking and other service modes.Although the products launched by each bank are essentially the same,they also have their own characteristics,and have achieved certain application in the financial market.Fruit.However,with the continuous development and changes of the social and economic era,the limitations of small and medium-sized commercial banks in terms of capital strength and technical level are gradually reflected.Many small and medium-sized commercial banks are difficult to compete in the fierce market because they do not have forward-looking and scientific business strategy development plans.Strive for a foothold.At the same time,the problems exposed in the innovation process of banking business in the context of the Internet era are also increasing,which is not conducive to the survival and development of banks in the context of the Internet era.Therefore,how to rationally adjust the operational strategic plan of small and medium-sized commercial banks so that they can better cope with the new opportunities and challenges brought to the financial industry by the coming of the Internet era,and realize the sustainable innovation and development of small and medium-sized commercial banks in the context of the Internet economy era,is worth our deep understanding.The topic of thinking and exploring.In the course of the study,this paper makes a systematic analysis of the research data on"Internet+finance" and the development of commercial banks at home and abroad in recent years,and summarizes some valuable theories that are valuable for this research.The development of banks and other issues have been explored in depth.In addition,this paper also analyzes the impact of the "Internet plus finance" era on the development of commercial banks.Combined with the actual situation of TY commercial banks and their advantages and disadvantages,the paper explores the opportunities faced by commercial banks in the era of"Internet plus finance".And challenges.Taking TY commercial bank as an example,it is concluded that small and medium-sized commercial banks should actively use Internet information technology to broaden their business scope and improve the overall operational efficiency on the basis of their own development experience;at the same time,they should change their management and development concepts in time to actively adapt to the development of the Internet economy in today's society.The trend of the trend is to maximize the application advantages of the "Internet+finance" mode.This study is also conducive to commercial banks to explore a more scientific and operable development path of business strategy optimization,constantly enrich their own business management theory,and improve the level of core competitiveness in the market.In the course of the study,we try to summarize the operational strategy framework that is in line with the actual situation of China's small and medium commercial banks,and provide an important guide for the development of small and medium-sized commercial banks represented by TY commercial banks.China's commercial banks adjust their operation and development strategies,which provides a certain scientific basis for the implementation of strategic reform of commercial banks.