| The on-line bank said that the network bank, the online bank, on-line bank development's pattern has two kinds; first, the total dependence in Internet's invisible Electronic bank, also calls"the Virtual net"; Another kind is in the existing traditional bank foundation, uses the Internet development tradition the mechanics of banking transaction service. Namely the traditional bank takes the new service method using the Internet to provide the online service for the customer, in fact is the traditional bank service on Internet's extending, this is the present on-line bank existence main form, is also on-line bank development model which the overwhelming majority Commercial bank adopts. Therefore, in fact, our country has not presented on-line bank in the true sense, the domestic present's on-line bank basic belongs to the second kind of pattern.On-line bank basic function: The public information issue function, the customer consultation suit function, the account management function, the payment settlement function, the bookkeeping inquiry cancels to the function, the account transfer and the payment middle service, the innovation function and so on. the on-line bank is produces along with the electronic commerce and the network finance development, although on-line bank is not very long in our country's development time, because can be the general customers, provides, the quick service conveniently, therefore produces from on-line bank starts then to receive general web cam's welcome. After several year development, our country's on-line bank has begun to take shape, basically has formed take in the state-owned bank, the joint stock system the small bank as well as the Foreign bank as the main body competition pattern.Joined the WTO protection period along with China the conclusion, the Chinese Banking industry was already comprehensive to the Foreign bank is open, because on-line bank itself had the competitive advantage, on-line bank definitely will become each big bank to scramble for the market the advantageous weapon, specially lacked the localilzation the Foreign bank, had the strong competitive advantage in this domain, because developed on-line mechanics of banking to have the low cost, to expand quickly, not characteristics and so on time space limitation, who took the initiative in this domain grab, who could occupy the advantage in the market competition, who could obtain the bigger social efficiency and the economic efficiency. should facing the intense market competition, actually how innovate the product and the service, enhances own core competitiveness is the stern question which on Chinese various clathrias the bank must face. the basis Construction Bank each second-level minute sub-branch completes the situation contrastive analysis to Liaoning Province in on-line bank's target, summarizes the Construction Bank Tieling branch the merit which and the insufficiency exists in on-line bank aspect. Searches Tieling branch when the development on-line bank exists limitation.Compares after and the province brother-in-law line of development on-line mechanics of banking's target situation, Tieling branch's target place, most main target for example: On-line bank and ratio in the cabinet surface business volume, Tieling line is 15.77%, places 30th in the entire province 31 second-level minute sub-branches, the entire province completes 37.16% equally, is far from, differs 21.39% with the average level, may say, if the Tieling Construction Bank on-line bank achieves the entire province average level, the counter may reduce 20% work loads, or was equal in Tieling Construction Bank wastes 20% mesh point resources, the benefit difference has been very big. On-line volume of trade, to male 2,600,000,000, the individual volume of trade 300,000,000 Yuan, 07 year total volume of trade 2,900,000,000 Yuan, compare good with small Liaoning other 11 brothers are far from, small Liaoning 12 second-level branch average volume of trade 9,800,000,000 Yuan. The average 30%, are nearly from the bottom first.In the Tieling area labor, the agriculture, construct in four big state-owned Commercial banks, formed the ICBC, Construction Bank to develop well, but the line, the agricultural bank weak pattern, in the purchase fund, the ICBC had 50% to purchase in on-line bank, but Construction Bank only then 17% customers purchased in-line bank, because the ICBC was long in Tieling launch time, the big customer, the high quality customer were many, develop are easy to the public network silver customer, moreover, the ICBC on-line bank contact surface was quite direct-viewing, easy customer operation, was also its on-line mechanics of banking development good reason.China Construction Bank Tieling branch on-line bank development lag reason: The internal cause, is the one-sided pursue the momentary interests of the day, neglects strategic service which the bank will concern develops in the future. The economic resource disposition limit, the net silver service is marched into the benignity development phase with difficulty. Is employed the troop construction lag, the service level cannot meet the trade development need. Between each new service's drive fixes a price the price to guide unreasonable, i.e. causes above unreasonable the product which the mesh point person in charge, the jobholders enthusiasm trend is easier to make money, to sell easily. For example: The credit card service compares with on-line mechanics of banking has sends the card to be easy, the market cognition strong, the post-sale service is relatively simple, the product to fix a price high, the derivation service knowledge request not higher characteristic, therefore develops quickly. On-line bank post-sale service level is low, the customer cannot enjoy the over value service. The external factor, the middle service receives makes an effort, then causes on-line bank to receive on another's behalf pays on another's behalf and so on convenient kind of transaction service simplification. The emerging service charge promotes, to a certain extent contained has developed the slow on-line mechanics of banking development originally. The network transaction has restricted on-line mechanics of banking development safely. At present, the web cam is all the more thick to on-line settlement way's safe worry. The customer own quality question has decided the Tieling area on-line mechanics of banking development speed.The financial innovation enables on-line bank to have the formidable vitality. Based on the Internet multimedia information transmission's integrity, rapid and interactive, on-line bank may aim at the Internet characteristic, to open more convenient intellectualizations, the personalized service in view of the different customer demand, provides the tradition Commercial bank the function which realizes with difficulty under the current service pattern. for instance in view of the enterprise group customer, supplies through on-line bank inquires various subsidiary companies account household remaining sum and the transaction information, and realizes the group internal fund procurement in the sign multilateral treaty's foundations with to transfer, enhances the group whole the fund operational effectiveness, for the customer improvement internal operation management, the financial control provides the powerful support. In 2005 promulgates "Electronic Signature Law" has the milestone significance, it symbolizes that our country already achieved to the electronic commerce and on-line bank's security management has had legal support, and managed our country's on-line bank market for further standard to lay the good foundation. the on-line bank's development is advantageous in raises Tieling Construction Bank's intensified level. Develops on-line bank is the trade or craft competition need. Develops on-line mechanics of banking to be advantageous in enhances the bank the core competitiveness, with according to 20/80 principle, most hoped that strives for to 20% high-end customer, if does not have other bank service level to be high, will lose the partial high-end customer, will affect the bank the benefit, will be in the inferior position in the competition.In summary, the Construction Bank Tieling branch should profit from the same business bank positively the advanced experience, develops on-line mechanics of banking from the following several aspects. Strengthens the troop construction, the promotion service level. Tieling branch is engaged in on-line mechanics of banking the troop construction lag, the service level cannot meet the trade development need, strengthens training to on-line bank personnel's jobholders. Strengthens the homeland cultural reconstruction, lets the staff have the sense of belonging, forms the staff and the bank common prospect. The establishment drives the restraint mechanism, enlarges on-line mechanics of banking the inspection status. On-line bank is traditional bank extending and develops, has the cost to be low, the ministrant strong characteristic, conforms to the bank intensification management policy, has the strong competitive power and the broad development opportunities, develops on-line mechanics of banking is the modern Commercial bank's strategic concept vigorously. Is clear about the net silver service the customer market localization, the lock onto target market and the goal customer, the attention customer experience, the optimization, the simplified operation flow, causes the customer easy to use the net silver. Making service brand. Establishes the multi-level union marketing mechanism: Builds total, the province, the city good linkage marketing mechanism, establishes the marketing team, realizes the whole staff marketing gradually.In the solution development's bottleneck, promotes the Construction Bank Tieling branch's on-line mechanics of banking development question, consummates the service function, raises the managerial and administrative expertise and trade or craft competition ability, enables Tieling Construction Bank continually, stable, the healthy development. |
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