Research On The Development Of Internet Bank In China

Internet banking is a kind of pure networkless bank,which deals with the traditional banking business entirely online.It is based on big data and cloud computing,and has the characteristics of virtual,convenient and efficient.Although it promotes the transformation of the traditional banking and financial structure,it also has a huge impact on the traditional commercial banks.First of all,with the deep combination of Internet technology and financial field,Internet banks have broken the limitation of time and space,improved the problem of information asymmetry,and shaken the position of traditional commercial banks' financial intermediation.Secondly,the appearance of third-party payment license makes third-party payment platform standardized.Transparency,the impact of traditional commercial banks payment intermediary status.Internet merchant bank was born by Alibaba with strong internet finance background and became the second pure internet bank in our country.At the beginning of its establishment,the network merchant bank has positioned the customer group of its own service as "long-tailed customer",adopting the "light assets","platform","transactional" operation mode,and since the operation,For different customer groups and customer needs,cooperation with various industries and enterprises,innovative products and services.In addition,the network merchant bank's business model of "small deposit and small loan" and the service concept of "small bank,big ecology" can not only meet the clients' financing needs to the greatest extent.In order to ensure the accuracy of the service object,it can greatly reduce the operation cost,improve the operation efficiency and make the financial activities truly "inclusive".Finally,its own customer-centric "cloud number" interactive system also helps to improve the ability of risk identification and control.Although the network merchant bank still maintains the good development momentum at present,but it in the policy environment,the product and the service innovation,the bank credit degree and the popularity as well as the network system security and so on the question also cannot be ignored by us.Aiming at the outstanding problems in the development of the network merchant bank,this paper puts forward the corresponding countermeasures and suggestions to promote its development,to adapt it to the financial environment of our country,to enhance its own competitive power,and to further improve its management efficiency.Promoting its development will have certain effect;For other Internet banks,they can break through the obstacles to development,test and develop their potential in a timely manner.Warning.