A Study On The Retail Business Management Countermeasures Of Agricultural Bank Of China S Branch Under The Impact Of Internet Finance

With the rapid popularization and further innovation of Internet information technology,Internet applications in the financial field are also constantly developing.In June 2013,Yu Ebao,managed by Tianhong Fund,became the most shining star in the domestic financial market.In recent years,relying on the development of high and new technologies such as mobile communications,big data and cloud computing,as well as the relative gap in the field of supervision,Internet finance has made explosive improvements,and a variety of innovative products and services have sprung up in the financial market.With the rapid development of Internet finance,the division of S in Agricultural Bank of China is divided.The business of the bank has caused great impact and impact.Under the wave of interest rate marketization,the S Branch of Agricultural Bank of China needs to keep up with the trend of the times and adapt quickly in order to cope with the impact of Internet finance.This paper first summarizes the Internet finance and makes a related theoretical analysis.Secondly,it analyzes the current situation of the development of Agricultural Bank of China S Branch in the wave of Internet finance and the impact of Internet finance on the asset business,liability business and intermediate business of Agricultural Bank S Branch.Thirdly,this paper discusses the Internet financial competition environment of Agricultural Bank of China S Branch,analyzes the advantages and disadvantages,opportunities and threats of Agricultural Bank S Branch in the Internet financial environment from four aspects based on SWOT model,and concludes that although the rapid development of Internet finance has had an impact on Agricultural Bank S Branch,Agricultural Bank S Branch can Learn from each other,take positive measures to deal with threats and impacts,and maintain competitive advantage;Finally,according to the different influence degree of the three traditional businesses,this paper puts forward some suggestions on how to deal with the Internet financial shock in the asset business,liability business and intermediate business of S Branch of Agricultural Bank of China at the present stage,including constantly developing new business areas,innovating product design,strengthening data collection and protection,improving the level of risk management,developing and training compound talents and establishing long-term strategic alliance.It points out the direction for the future development of Agricultural Bank of China S Branch in the tide of Internet finance.