Research On Optimizing Online Lending Business Of N Bank Under “Internet Plus”

"Internet plus" bank credit,as a business model of deep coupling between the credit business of banking industry and highly developed network software technology,has become a business model for many banks to seek customer development and business development in recent years by virtue of mature network infrastructure,mobile portability of Internet hardware and software terminals,and seamless promotion of credit products and services to the majority of Internet customers,an important means of business transformation and territory expansion.The "Internet plus" credit form has broken through the time and space,and even the limitation of the approval process.Compared with the traditional credit business,it has great vitality and has the potential to develop into a business model for all sectors of the whole society.Internet plus bank credit has good endorsement of the credit system of banks,and has the strong penetration of high-speed network communications and mobile Internet.It can facilitate the reclamation of the market value of different individuals and small and micro businesses in the operation of the society,and it helps the win-win relationship between the banking industry and the supply and demand of members of the general society,and helps to bring the commercial of Pu Hui into a commercial market.For this reason,this paper first discusses the optimization idea of bank n's "Internet plus" bank credit through the current situation of Internet credit business and the comparison with other banks,and puts forward optimization strategies and safeguard measures to accelerate the development,constantly enrich the online business functions,guide customers to change the network queuing thinking,and cultivate customers' online financial consumption habits.Secondly,we should develop financial and technological innovation in banking,improve the advanced technology of credit products,user experience,help small and medium banks,implement precise poverty alleviation,and better play the role of hematopoietic function in financial transfusion.In addition,we should make full use of business authorization,improve online asset risk tolerance,strive for online banking business license,and actively implement the Internet banking strategy.This paper provides different development perspectives for N bank's "Internet plus" credit business through strategic planning and optimization,and has certain practical significance for marketing status quo.