Influence Of Internet Finance On Loan Business Of ZS Bank And Suggestions

In recent years,the rapid rise and rapid development of Internet finance have brought great influence and impact to traditional commercial Banks and other financial institutions in China.On the one hand,the Internet financial model makes the bank's monopoly changed,weaken the mediator role of commercial Banks,and commercial Banks in deposit and lending,financing and payment aspects of business competition,the traditional model of commercial bank credit,business,business scale,personnel structure and bring direct impact such as loan products.On the other hand,it provides a new development idea and opportunity for the financial services of commercial Banks,and the cooperation and complementarity between them promote the development of commercial Banks.ZS Bank is a "national commercial bank after2000",which is in rapid development.The loan business is one of the important profit sources of ZS Bank.The urgent problem for ZS bank's loan business is how to deal with the impact of Internet finance and actively deal with the existing problems.This paper first describes the Internet financial theory foundation,the traditional bank loan mode theoretical basis,the Internet financial relationship with the traditional bank such as theoretical basis,and to our country current six big Internet financial business model are introduced,which has big data characteristics,the business model of Internet,online trading,inclusive finance,quick and convenient and efficient,transparent,etc.Based on the current situation of ZS Bank's loan business,this paper analyzes the impact on three different customer groups of ZS Bank,mainly on public customers,small business customers and retail customers.Firstly,the influence of Internet finance is analyzed from two aspects,direct and indirect,and then the reasons are divided and summarized through the advantages and disadvantages of the two.Secondly,through the case analysis of 2 cooperation cases and 2 competition cases,this paper describes in depth how the loan business of ZS Bank deals with the impact of Internet finance,and makes a comparative summary.Based on the above theoretical analysis,current situation analysis and caseanalysis,it is concluded that the loan business of ZS Bank has four problems in dealing with Internet finance,mainly including loan default risk,science and technology platform risk,process mechanization problem and business personnel talent problem.At the same time,Suggestions are given for solving these four problems.ZS Bank should increase investment in science and technology,make full use of Internet technology,improve operation and maintenance management rules,refine customer demand and product design,and improve the reserve of professional talents.