| The vigorous development of Internet finance has impacted the business model of traditional commercial banks in an all-round way.In response to the impact of Internet finance,domestic commercial banks have successively started to explore intelligent transformation and have achieved certain results.JS Bank is a leading domestic commercial bank.It leads the country in terms of smart transformation.Many classic cases of smart transformation have appeared in practice.Research on these smart transformation cases will help the deep chemical industry and the industry to The understanding of the intelligent transformation of commercial banks will provide inspiration for the continuous and in-depth promotion of the development of intelligent transformation by Chinese commercial banks in the future.The main problem studied in this article is how JS Bank has undergone intelligent transformation under the impact of Internet finance,what difficulties and obstacles it will encounter during the transformation process,and how to overcome and enhance the transformation effect.This article is a case study based on the business practice of JS Bank’s intelligent transformation.The main research content is the method,characteristics and effects of JS Bank’s intelligent transformation,and proposes transformation suggestions on the case study combined with the insufficient analysis of Internet financial theory.This article first summarizes the general strategy for the intelligent transformation of domestic commercial banks,that is,embedding technology elements into traditional businesses,setting application scenarios and improving big data analysis capabilities,and building financial technology subsidiaries and accounts to go overseas.Secondly,the research and analysis of three specific cases of JS bank’s smart transformation,namely the YJ garden smart community cloud platform construction project for residents,the FT smart park construction project for large manufacturing enterprise customers,and the LST major for small and medium merchants The market cloud platform project elaborates on the specific smart transformation methods of JS Bank in the face of different customer groups,comparatively analyzes the differences and characteristics of technology applications in smart transformation based on customer needs,and the economic benefits of different projects,and points out The great significance of the intelligent transformation of commercial banks for the development of inclusive finance is to be able to digitize customers for banks,and obtain relevant information of customers through Io T devices,and use big data technology to mine the value of these data through cloud computing systems.Finally,this article summarizes the impact of Internet finance on the impact of commercial banks and the three classic cases of JS Bank’s smart transformation from the technical and economic levels,and suggests that banks need to be based on customer acquisition,and accelerate the promotion Accounts go overseas to accelerate the realization of comprehensive risk management and refined customer management based on big data analysis applications. |
