With the rapid development of China's economy and society and the wide application of network

new ways of network financial services (such as APP

third-party network transactions

network credit

crowdsourcing finance

etc.) have become an indispensable and important part of our life. These things make people's transaction costs declining and experience increasing

which poses a huge challenge to traditional banks. Therefore

if traditional commercial banks want to be in an invincible position in the market

we need to pay more attention to experience

improve service quality

and do a good job in information accumulation and discovery. We should pay more attention to training network financial service personnel and further strengthen the cooperation with network financial service companies so as to promote strengths

avoid weaknesses and achieve win-win cooperation.