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Abstract
With the further promotion and application of Internet technology, the traditional
personal finance business of commercial banks has gradually lost its competitiveness,
and a new type of personal finance business adapted to Internet technology has emerged,
and Internet finance has developed rapidly. As a local commercial bank, as a local
commercial bank, it should keep up with the pace of Internet finance and constantly
update its personal financial products. At the same time, there are still some problems. It
is of great significance to study the development strategy of personal finance business.
Based on the basic theory of Internet finance and personal finance business, this
paper expounds the present situation of H bank's personal finance business, and
analyzes the problems such as product lack of innovation, weak technical support ability
and insufficient warning of financial risk, etc. Based on the SWOT analysis of personal
finance of H commercial bank based on Internet finance, this paper puts forward some
optimization strategies, such as strengthening business innovation, strengthening
technical support and perfecting risk management mechanism.
KeywordsInternet banking; H commercial bank; Personal financing; SWOT analysis
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H45。