The Research On The Developing Model Of Internet Consumer Finance Of Bank S

In recent years,both traditional commercial banks and Internet platforms have laid out consumer financial markets,and with the help of advanced Internet technology to innovate a new business model different from the traditional business model.S Bank as a regional bank,Internet finance is an opportunity and a challenge for it.S bank actively adjusted its business strategy,vigorously developed the Internet consumer finance business,finded ways and means of business innovation,and achieved good results.At the same time,S bank has problems and deficiencies in customer acquisition,product design,risk management and other aspects,it is facing the pressure and risk of business development.This paper takes the developing model of internet comsume finance of bank s as the research objective.This article first analyzes the mature market and domestic and foreign banks of Internet consumer finance development model and related experience,and then focus on the analysis of the status of bank s.According to the shortage of its own product characteristics,the overreliance and cooperation of the Internet head platform,the risk management system and ability to be improved and other issues,put forward four main developing strategies: firstly,around the scene,mining the ability to get customers,through customer touch management to enhance customer viscosity;secondly,focus on the development of the Internet platform industry.The thirdly is to strengthen business innovation and create key products;the fourth is to use financial technology to enhance risk management capabilities.Through defining the strategic positioning,expanding business channels,strengthening product innovation,improving business processes,promoting information construction,improving risk control capabilities and other countermeasures,the paper intends to promote the sustainable development of Internet consumer finance business of bank s.