Research On The Innovation Of Banking Channel Financial Services In R Bank

After more than a decade of the development on the Chanel financial services in China,the Emergence of innovative models has brought vitality to China's financial industry.It has also brought profits to China's banking industry and enriched financing channels for financiers.Each bank is chased after the model and the scale of the business rises sharply.However,under such model,part of business bypasses supervision from regulatory perspective,it deviates from the essence of financial innovation and brings huge hidden risks to the banking business and China's financial system.Therefore,the regulatory has posted its encirclement and suppression for such business model more than a decade.Since the new policy passed down by the regulatory from 2018,channel financial services for commercial banks has entered a new period of innovation by drawing learnings from the original model.It clarifies on how to better serve customers,correctly identify risks,strictly adhere to the principle of regulation,as the key to the healthy development of the financial business innovation.At first,this paper clarify the concept of channel type of financing,summarizes the relevant theories of financial innovation and financial risks domestically and abroad,summarizes the domestic and foreign scholars on the research situation of the business,a retrospect of the channel class financing business for more than ten yesrs and analyzes the reason of its innovation and various change influence through R bank channel classes after the case of business innovation,using comparative analysis and case analysis and SWOT analysis,find the existing channel class R bank financial management innovation are the problems and reasons.And gives some countermeasures and suggestions for related problems as a national joint-stock commercial bank.R Bank is also a bank that takes the lead in channel financial innovation.Analyzing the existing problems and giving corresponding opinions and suggestions are of great significance to the development of R bank's own business and even the development of China's banking industry.This research suggests that channel types of finance innovation of commercial Banks should clearly recognize the inherent motivation of innovation,return to the origin of innovation,and focus on the customer experience value chain and at the same time,the risk control as the basis of innovation.This will ensure that Banks can have a stable operating while enjoy the prosperity of the financial markets.