Research On Self-Service Business Of Rural Commercial Banks Under The Background Of Internet Finance

Under the ever-changing environment of Internet technology,the concept of"Internet+" has emerged and developed,especially big data and cloud computing technologies,which not only bring about major changes in the development of the real economy,but also promote the financial model.The innovative development,which also brings very serious challenges to the operation of commercial banks,but also provides an unprecedented opportunity.As an important carrier of commercial banking products and channels,self-service banking is an important bridge for commercial banks to connect with customers,and it has also received the impact of interconnection finance.As the main force serving rural financial institutions,rural commercial banks play an irreplaceable role in local economic construction.However,due to the low starting point,short set-up time,heavy historical burden,and weak foundation,it is in a relatively weak position in market competition.Compared with state-owned large commercial banks and national joint-stock commercial banks,in terms of asset size and asset quality,There are certain gaps in terms of business scope,personnel quality,and informationization level.Services such as payment settlement,investment and wealth management,and online credit provided by third-party payment are also accelerating penetration into rural areas.Facing the fierce market competition under the new normal,how to realize the transformation and development of the traditional self-service business of rural commercial banks as a traditional financial institution has become an important issue that needs to be faced.This paper analyses the current situation,development trend,business characteristics and existing problems of self-service construction of rural commercial banks in L city(The self-service in this paper refers to cash self-service,including ATM,ATM and smart teller machine with cash function).Based on the internal statistical data,the characteristics of self-service development from 2010 to 2018 are comprehensively analyzed,and the time series model of self-service development is constructed.The development trends of self-service in 2019 and 2020 are predicted by using ARIMA model and exponential smoothing model.After analysis,this paper believes that under the influence of Internet finance,the self-service business of rural commercial banks presents a continuous downward trend,at the same time,they are faced with problems such as the overall cost is greater than the income,the management mode is backward,the management lines are crossed,the planning layout is unreasonable,and the dynamic adjustment is difficultAfter analysis,this paper believes that rural commercial bank self-service business under the influence of Internet finance,showing a continuous downward trend.At the same time,it is faced with the problems of high purchase cost,backward management and high management cost of self-service related tenninal equipment.In view of the existing problems,combined with the practice of LS rural commercial bank's self-service business transformation and development,this paper puts forward classified measures to optimize the layout of traditional self-service equipment,innovate customer relationship management and marketing mode,accelerate the Internet of traditional self-service channels and promote the construction of smart Hall Based on intelligent self-service equipment.