Research On The Transformation Strategy Of C Bank Network Business Under The Background Of Internet Finance

With the rapid development and great innovation of the Internet,the business volume and customer flow of banks have declined,and the traditional banking outlets have been greatly impacted.Under the background of Internet finance,Bank C is faced with a more diversified internal and external environment,such as complex and changeable development environment,intensified industry competition,and increased demand for improving the level of science and technology.The original network construction has been unable to meet the actual requirements.In order to cope with the impact of Internet finance,Bank C needs to sort out the development strategy and business process,change the problems such as lack of layout,low marketing ability,and lack of innovation through timely and efficient business transformation of outlets,so as to achieve high-efficiency integration of internal resources and build the core competitiveness of outlets of bank C.Based on the theory of Internet Finance and network transformation,this paper studies the network transformation strategy of Bank C under the background of Internet Finance by using literature research,case analysis,comprehensive analysis and other research methods,along with the basic ideas of finding,analyzing and solving problems.First of all,this paper analyzes the current situation and existing problems of Bank C outlets,and points out the necessity of their business transformation.Secondly,the SWOT analysis method is used to compare the advantages,disadvantages,opportunities and threats of Internet Finance and Bank C entity outlets,and the SWOT matrix is obtained.Thirdly,the goal and principle of Bank C's network transformation should be determined,and the transformation strategy should be designed from the aspects of strengthening the customer maintenance foundation,establishing the network efficiency mechanism,continuously focusing on the network cost reduction and efficiency increase,and strengthening the construction of talent team.Finally,the paper puts forward the guarantee measures to ensure the smooth transformation of Bank C outlets,including optimizing business process,supporting cost support,strengthening internal audit and intelligent technology support.To sum up,this paper chooses Bank C branch as a specific case study,systematically analyzes the business transformation of Bank C branch under the internet background,and puts forward scientific and reasonable transformation strategies for Bank C branch,so that it can adapt to the development needs of Bank C under the Internet finance background,integrate various advantageous resources,attract high-level talents for development,and promote the development of Bank C at present.There is a new level of development.The paper also has a positive reference significance,that is,other commercial banks facing the transformation of network business can learn from the transformation strategy of Bank C in the context of Internet finance from the theoretical and practical aspects,and then promote the overall innovation and progress of other domestic commercial financial institutions.