Research On The Development Strategy Of Deposit Service Of Jinke Bank

With the rapid development of modern information technology represented by the Internet,the penetration and influence of the Internet on the banking industry has become increasingly apparent,especially the widespread use of mobile payments,social networks,search engines and cloud computing.Internet banking was born.Jinke Bank is a private Internet bank,relying on technological innovations such as big data,cloud computing,artificial intelligence,etc.,to build a user-centric service chain,provide inclusive and integrated financial services through specific scenarios,and provide a safe and convenient financial experience.After several years of development,while Jinke Bank basically solved the survival problem,the overall economic profit realized a turnaround from loss to profit,and market influence has also begun to appear,and it has successfully entered the second echelon of Internet banking.This article closely combines the actual business situation of Jinke Bank and the development positioning of private Internet banking,uses the relevant theories and knowledge of strategic management,and analyzes the current situation and existing problems of Jinke Bank's deposit business in detail.The analysis was conducted to refine the advantages and disadvantages of Jinke Bank's market competition,and finally formulate the development strategy and implementation plan of Jinke Bank's deposit business.Specifically,the first chapter is an introduction,introducing the research background and significance,research methods and contents,theoretical foundation and literature review of this article.The second chapter is the problem,elaborating the current status and existing problems of the development of Jinke Bank's deposit business.The third chapter is analysis.Through comprehensive analysis and comparison of the external macro environment,industry competitiveness and internal environment,the SWOT analysis method is used to comprehensively analyze the development environment of Jinke Bank's deposit business.The fourth chapter is the conclusion,formulating the development strategic objectives of Jinke Bank's deposit business and selecting the business development strategy.Jinke Bank should aim to vigorously develop the deposit business,fully implement the differentiation strategy,improve the core competitiveness of the businessThis article discusses the development of China's Internet banking deposit business from the perspective of Jinke Bank's deposit business development strategy.Analyzing it can better understand the Internet banking deposit business and recognize the current problems and challenges encountered in the development of Internet deposit business.In the context of current fintech,by implementing a differentiation strategy,Jinke Bank can enhance its core competitiveness in its deposit business,maintain Jinke Bank‘s deposit business scale and competitive advantage in the industry,and achieve Jinke Bank's position in the industry The profit performance of the second echelon broke through and promoted the sustainable development of Jinke Bank's deposit business,which was of great significance for Jinke Bank to maintain its leading position in the Internet deposit business.At the same time,the research in this article is different from the current homogenization of products in the financial market,and explores a breakthrough in the development model of the Internet-based private bank deposit business.