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英国essay代写:Internet financial ecosystem

2018-06-19 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写- Internet financial ecosystem讨论了互联网金融生态系统。如今,商业银行应顺应互联网金融发展的趋势,认真分析和研究具有自身特色的互联网金融生态系统,在充分做好风险防范的基础上,着力推动银行资产、支付、托管等业务的转型发展,进而选择有利于自身网络金融业务发展的策略模式,以线上线下协同发展的思路,全面应对互联网金融的挑战,为促进实体经济的发展做出新贡献。本篇essay代写51due代写平台整理,供大家从参考阅读。

Internet financial ecosystem,互联网金融生态系统,essay代写,代写,paper代写

Commercial Banks will be more dynamic in building a customer-centric ecosystem. Driven by the policy of mass entrepreneurship and innovation, the number and vitality of public customers will be further stimulated, and the industrial form and customer demand will be more diversified. Have a bath; ? The online financial ecosystem will be supported by big data to provide customers with application scenarios that match their needs and make their experience better. Ecosystems supported by big data have lower costs; A large number of production, trading information digitization, network, will enable the bank to enterprise information acquisition costs have fallen sharply, closer to production trade in financial services and bundled together. An integrated ecosystem would be more efficient. In addition to customers and Banks, select high-quality third parties with complementary advantages and resource sharing, so as to improve the execution ability of commercial Banks to serve customers more effectively.

Commercial Banks play an important role in the financial system in our country, is an integral member of the Internet financial ecological construction in China, based on the analysis of development of the Internet's impact on commercial Banks, this paper studies the commercial Banks of financial ecosystem system in building the Internet strategy, and through the anatomical part of the commercial bank has built financial ecosystem, for commercial Banks to build Internet financial ecosystem provides valuable experience for reference, has strong guiding sense, the Internet deepening financial ecological theory also has practical significance.

"Internet +" refers to the innovation of the Internet with the depth of the economic society in various fields, to promote technological progress, improve efficiency and organizational change, promote the real economy, innovation and productivity to form more widely on the Internet for infrastructure and innovation elements in new form of social and economic development. In the banking sector, "Internet plus" is also driving the reform and development of the industry, and has a profound impact on banking products, businesses, organizations and services.

The transformation of the Internet to the economy and society is not only about technology, but also about ideas. Are in the Internet era, and connectivity, abandon the cooperation and development of closed to the interests of customers homes eggs and other business philosophy to be successful is becoming more and more difficult, instead, the competition of enterprise ecosystem. In the era of the Internet "altruism", under the background of commercial Banks only changing ideas, by creating open cooperation of customers, partners, and their coexistence of ecological system, to promote the continuous development of commercial bank itself.

"Connect all", this is ma huateng of tencent's strategy, it is based on this strategy, tencent in recent years through open ecology, integrate all aspects of the resources, and supermarkets, hospitals, government agencies, enterprises and other fields of service into WeChat platform, build ubiquitous ecological, realize people can browse through WeChat all kinds of information, to deal with all kinds of online business, which will enhance customer stickiness. Banks, too, as a result of the limitation of the licensing, product coverage, etc, the commercial bank may not independently, to provide the amount of financial services, and the demand of customer is hoping to use a full range of financial services in one place. Therefore, commercial Banks in the future competition will be the financial ecological competition, needs the integration of its own and third-party financial products and financial services, provide for the customer in the ecological total amount of financial products and diversified financial services, firmly stick to the customer, and then impel the constant development of the business.

The key to implementing truly customer-oriented and accelerating innovation with Internet thinking is to build an online financial ecology. To win the Internet financial new competitive advantage, only on a single product or channel is far from enough, business must play out of the bank group as a whole and even the third party together, play and continue to curing in integrated services, systems integration, and the advantage of economies of scale, etc. On the basis of analyzing and grasping customers' demands, integrating the overall product resources of the bank group, and improving the ability of external resource management. We will enrich non-financial services on the basis of financial services, expand cooperation with high-quality third parties, and connect customers, Banks and third parties through enhanced channel cooperation. Only by making good use of big data technology, constructing new profit model and accelerating the construction of Internet finance ecology can we better serve customers.

With alipay, Liu Jin, balance, and the Ann insurance, WeChat Lucky Money, small Banks, personal credit, equity the raise of Internet new financial enterprise, innovation and development of new products, new forms, the long tail, the network effect, winner-take-all, experience is king thought and the phenomenon is the emergence of the Internet, such as commercial Banks to build Internet financial ecosystem is facing great challenge, but there are other financial institutions do not have the advantage. Only by recognizing their own advantages and disadvantages can commercial Banks make better use of their own resource advantages and adopt strategies suitable for their own development and occupy a favorable position in inter-bank competition.

Face + Internet finance, credit of commercial bank has the advantage of brand, offline outlets, customer manager team, risk management, customer resources, financial strength, all products, first mover advantage of network bank, and other products, and familiar with financial regulation. Disadvantage lies in the innovation points scattered, online not integrated as a whole, the layout is not comprehensive, lack of form a complete set of mechanism and innovation efficiency is not high, the lack of Internet gene, the user experience is insufficient, lack of professional team, technology development process, the iteration speed slow. The opportunity lies in the development trend of mixed business operation, new financial demand, development of information technology and application of big data. The challenge lies in the orientation of regulation, the competition within and outside the industry, the Internet of customers, the impact of Internet finance, and the change of customer experience.

Under the background of big data and the era of "Internet plus", the reform of commercial Banks should still follow the financial rules and adhere to the essential functions of finance. In the business field of commercial Banks, the three major businesses of "deposit, loan and remittance" can realize the online whole process operation as far as possible in the standardized "deposit and remittance" business. As one of the most core function of finance, is also high on the risk control requirements, the most direct financing business service entity economy, the amount is relatively small, information symmetry, risk can be easy to control, financing services for the standardization and risk control model is established using the Internet and the big data, improve risk monitoring. To specialized, customized, personalized financing needs and complex comprehensive financial services, with professional experience and professionals to control credit risk.

To build an effective Internet financial ecosystem, it is necessary to segment customers on the basis of accurately grasping their characteristics and behaviors. At present, corporate clients are mainly composed of corporate clients and institutional clients in commercial Banks, among which corporate clients can be divided into large and medium-sized clients and global clients. In the construction of Internet financial ecological system, from the customer "life cycle, the management track" two axis, on the basis of the existing classification continuously capture customer characteristics, ecological scene form the greatest common divisor of the customers. Customers, the formation of ecological scene is a process of dynamic optimization, should include customer characteristics, in order to highlight the customer demand characteristics and characteristics of trading as the standard, to clients on vivid, dynamic, continue to build more, with the same behavior characteristics of ecological scene, configure corresponding product components. Allows commercial Banks to choose to have the cooperation basis, application scenarios characteristic of customer group, in view of its industry characteristic, industry demand, the development of business plan, requirements, typical cases to carry out ecological system application scenarios such as construction work. In the future, according to the development progress and depth of the market, we will select some new representative customer scenarios and continuously introduce more applications.

Customer is the forefront of the ecological chain, take the customer as the center of the hierarchical classification, should not only include the traditional "DaiHu, no DaiHu", "medium", "upstream and downstream," one must do it the new customer segments of thinking, to capture the customer both current characteristics, and keeping track of customer life cycle, gradually achieve ecological scenarios for segmenting customers comprehensive profound insight into the whole cycle of exclusive services and coverage. Commercial Banks should allow each customer to find an ecosystem that suits their own business model, payment characteristics, investment habits, trading environment, strategic layout and other scenarios.

Products are the source of nutrients to the ecosystem, and innovation should keep pace with The Times and never stop. The era of "Internet plus" has triggered new demands from a large number of long-tail customers, and has also driven the trend of rapid customization of products. First, we need to upgrade our data processing and analysis capabilities, and actively allocate, innovate and push products according to customers' ecological scenarios. Adjustment is "the first writing system, and then do business" of the product innovation process, according to the market and customer segmentation, with Internet + speed, careful to determine the transaction structure and terms of the contract, launching products quickly. Third, move down the production workshop, do more "through train" rapid innovation, build core, fist products, form a complete supply, prominent advantages, combination of multiple products directory system. The realization of timely adjustment of service mode and service content with the change of customer demand varies from time to time and from time to time.

The transformation of commercial banking to "fund organizer" coincides with the open thinking advocated by the era of "Internet plus". The core of an ecosystem of customers, Banks and third parties is the effective integration of resources. This includes the resources of the subsidiary under the full license of the mixed operation of the banking group, as well as the resources of the cooperative third party. The third party can not only supplement, but also provide perfect products and services for customers together with Banks, but also serve as a platform for customers to expand and bring more business opportunities. An ecosystem of clear boundaries and interactive and collaborative innovation among all parties is bound to flourish.

E-commerce platform is a high-level stage in the development of consumer Internet, with unique system framework, application mode, transaction information and settlement mode. Work closely with electric business platform, and fully dig big data platform, using financial wisdom technologies such as cloud, Internet payment is not only the bank layout, Internet banking, Internet finance three important channel of product line, customer is looking for more cooperation opportunities, increase the opportunity to undertake and circulating funds. Taking China merchants bank as an example, China merchants bank has set up a "palm life" platform. Strengthened the cooperation with electric business platform, the bank will give top priority to with their platform such as the handheld life, fully use the existing products and tools, based on transaction data mining, to create customer online credit system, constantly optimize the product adaptation degree, making the development of the handheld life with each other to promote business transformation, promoting the development of the business.

Commercial Banks should from the strategic height to understand and grasp the significance of the Internet financial ecosystem construction and far-reaching influence, thinking, and actively cultivate the Internet set up Internet financial idea, learning to master basic knowledge IT data and statistical theory; We will adjust the marketing and service modes of our customers in the past, and apply the Internet financial ecological scenario as a new mode of bank-enterprise interconnection, cooperation and win-win cooperation.

Should play big data in the supporting role of the Internet financial ecological system, using data mining and analysis tools, a more comprehensive, true, deep, quick insight of customer, and based on the customer's business model, behavior characteristics and service preferences, etc., set up the Internet financial ecological scenarios, improve product delivery and customer interaction and correlation, continue to improve customer loyalty for a long time.

In the process of the construction and application of the Internet financial ecological scene, should dig deep analysis of customer needs, give full play to the bank group's overall advantage, coordinate using third-party resources as a powerful complement, personalized needs matching integrated financial service for the customer; At the same time, according to the construction of interconnected financial ecological scenarios and the application of comprehensive financial services as the breakthrough point, promote product development, channel setting, process optimization, risk prevention and control, technology development, data transformation and upgrade.

To sum up, our country commercial bank should comply with the trend of financial development, the Internet has its own characteristics, careful analysis and detailed study of the Internet financial ecological system construction development strategy, on the basis of fully do a good job in risk prevention, focus on promoting Banks pay, hosting and other business assets, liabilities, the transformation of development, and then select strategy beneficial to its own network financial business development mode, online collaborative development train of thought, fully meet the challenges of the Internet financial, to promote the healthy growth of our country's real economy sustained, make new contributions.

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