Research on the Characteristics and Development Trends of Direct Bank Operation Mode of Small and Medium Commercial Banks

Abstract

Direct banking is a development model for commercial banks to respond to the impact of various financial platforms in the development of the Internet, and it is showing emerging vitality in my country. However, the current development of domestic direct selling banks has problems such as relatively single business operations and serious product homogeneity[1]. Direct selling banks are still a part of traditional commercial banks, lacking independence, precise positioning and lack of distinctive services; in order to find more suitable domestic. The operation model of direct selling bank development reduces the development gap with foreign direct selling banks and expands the customer base. This article understands the future development trend of direct selling banks and can make relevant response policies.