The Business Model and Improving Pathways of Core Competitiveness for Credit Institutions Under the Background of Internet Financial

Currently, the emerging field of Internet financial presents a blowout type of development, so, it has the extremely important practical significance to discussing the business model and improving pathways of core competitiveness for credit institutions under the background of internet financial.Now, the four commercial models of credit institution are summarized as follows:large data credit mode, industry data center model, data distribution center model and data link center sharing mode. On this basis, the paper analyzes the main problems of the core competitiveness of the existing credit institutions, such as:model innovation, data optimization, service quality and information security. Finally, the paper points out those credit institutions need to promote five pathways for their core competitiveness, such as model innovation, multi-dimensional data source, data integration ability and algorithm technology.