民生银行直销银行产品服务发展研究-金融专业毕业论文.docxVIP

Ab Ab stract The Internet is changing our social life，economic life and values and SO on．At the same time，the development of Internet technology is also quietly changing the pattem of traditional financial sector．With the development of information and communication technology and Internet technology,Intemet finance arises at the historic moment．Domestic Intemet finance rise in 20 1 3 and rapidly developed in 20 1 4．Internet finance for its characteristics such as high yield，convenient operation and wide coverage rapidly causes”network gens”．In the face of the market environment the burgeoning Internet financial challenges as well as the progress of interest rate marketization，and the increasing of the number of Internet users，the traditional commercial Banks must hasten the financial reform in the new pattem of social development，the establishment of direct banks are the traditional commercial bank financial impact of the Intemet’S positive response．Direct banks do not depend on the physical locations of operation model reduce the operating costs，can provide customers with higher product yield；they will bring significant change to the traditional commercial banks．Successful experience tells US：traditional commercial banks can use modern information technology to carry out the Internet business to attract customers，expand the development space．In the past two years，the domestic direct banks are developing rapidly,from February 20 1 4，Minsheng bank direct online Banks start to the end of 20 1 5，there were more than 60 successively opened there direct banks．At the same time，the problems of the development of direct banks also gradually appear,mainly display in the regulatory constraints，the homogeneity of product design aspects as well as Minsheng bank direct bank． This paper studies the products of Minsheng bank direct bank service．This paper introduces the research background and research purpose and meaning from the perspective of the research background，purpose a