Research On The Market Transformation And Development Strategy Of Urban Commercial Banks In The Context Of Internet Finance

With the development of financial industry and the rise of Internet technology,the Internet and the combination of financial to the entire financial sector had a disruptive influence and acceptance of the Internet financial is very high also,Internet financial start is a threat to the traditional banking,Banks need to be in the context of this study and explore the transformation of the development path,in the context of the Internet financial to survive.JX bank is a typical city commercial bank.Faced with the challenges of Internet finance,it has explored many development paths and made many explorations,with both successful experience and failure lessons.This article embarks from the domestic and foreign literature review,the city commercial bank system,Internet financial development background,and so on and so forth are introduced,then began under JX Banks in the face of the Internet financial impact,its environmental situation,only with the examples of JX bank after its relevant measures taken,including product design,marketing,pricing,communication and customer service,etc.,summarizes the development of good experience,and combing the lessons of failure.After that,it USES the environmental analysis method to conduct in-depth analysis and find out the urgent development path that JX bank needs to take in the context of Internet finance.Finally,according to the above analysis,four requirements are put forward for JX bank to cope with the impact of Internet finance.Focus on customer experience,explore customer needs,and solve customer problems through Internet channels;Reshape the business process,comb some products and businesses under Internet finance,and reshape the whole process from the top design;We should strengthen the support of science and technology,take the establishment of science and technology as the foundation of the development of Banks,train scientific and technological talents,attach importance to the development of science and technology,and achieve good results in the battle of Internet finance.