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The Internet is a wonderful combination of the Internet and the financial financial. Ecological system to build the Internet so that every one of us fascinated, intoxicated. In 2013, along with the naissance balance treasure, the Internet has a profound impact on the traditional financial industry, changing the traditional mode of operation of finance. The mobile payment, P2P network lending and financing as a representative of the Internet financial industry put forward a challenge to traditional finance, "open, equality, cooperation, share" the spirit of the Internet brings new ideas to the traditional finance, has injected new vitality, but also brought new competition, the birth of a new cooperation. Internet banking has changed the traditional way of managing money, payment and financing mode, to give consumers financial experience convenient. In the face of the Internet financial challenges, opened in 2014, exploration in the Internet financial banks continued to heat up, all major banks have introduced the layout of Internet financial market products, speed up the building of the sales platform. Internet banking finance has not yet established a clear commercial pattern, the banks want to full back has many places need to reform the financial sector in the internet. The rural credit cooperatives restructuring of Beijing rural commercial bank, because of the low starting point, set up time is short, heavy historical burden, weak foundation and other reasons, the competition in the market is in a relatively weak position. Compared with the large state-owned commercial banks, national joint-stock commercial banks, has a huge gap in asset size, asset quality, business scope, the quality of personnel, the informatization level, in this context, Beijing rural commercial bank need further tapping the potential of its own characteristics, careful analysis of the internal and external environment, not only to understanding of their own weaknesses, but also to see the comparative advantage compared with competitors, find development opportunities and avoid the threats. Through the implementation of differential positioning strategy and foreignization follow, follow on innovation in product strategy, customer service strategy, constantly absorbing the Internet, realize the survival and development of gene.
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