How to face the impact of internet finance on traditional banking and the countermeasures to be taken

The emergence of internet financial model undoubtedly challenges the traditional banking industry, especially the big banks, and also provides opportunities for the development of small banks. The countermeasures that can be taken are as follows:

1, adjust strategy and actively innovate;

2. Expand Internet business and realize service upgrade;

3. Based on data and information, improve the efficiency of resource allocation. Under the internet financial mode, information can be transmitted quickly through the database and network credit system, the transaction cost is greatly reduced and the efficiency of resource allocation is greatly improved;

4. Clear market positioning, strengthen specialization and differentiated competitive advantage With the rise of internet finance in the financial field and the development of more online financial enterprises to compete for the existing market, traditional banking should redefine or consolidate its market positioning and business development direction, provide more professional services, pay attention to the expansion and deepening of a certain business, and form differentiated competitive advantage.

Tips: The above information is for reference only, and no suggestions are made.

Reply time: 202 1-06-28. Please refer to the latest business changes announced by Ping An Bank in official website.

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