Optimization Of Online Banking System Of Shanghai Rural Commercial Bank

With the growing popularity of Internet and the great promotion efforts of the banks themselves,online banking business of China has been developing rapidly,and gradually becoming an important channel that individuals and enterprises can access to financial services.At present, almost all the banks of China have online banking.In recent years,the number of online banking customers are also growing rapidly,and many customers have accepted the online banking service.From the development trend,online banking service level of China has been gradually move closer to international standards.Nevertheless,from the online banking data and customer reflect of recent years,at the same time, compared with developed countries,online banking of China still exist shortcomings in security,ease of use and product features that customers common concerns.This theory is to analyze online banking status and direction of research home and abroad,based on features of online banking that needs security,ease of use,feature-rich,and analyzes the three problems that online banking of Shanghai Rural Commercial Bank has on security,ease of use and product features.Combined with the Shanghai Rural Commercial Bank strategic development plan,this theory put forward optimization and improvement suggestions of online banking.Meanwhile,combined with actual situation of Shanghai Rural Commercial Bank,some of the suggestions of online banking for improvement in Shanghai Rural Commercial Bank are in implementation,and achieved some results.Finally,this theory presents some follow-up recommendations for improvement with the development of Shanghai Rural Commercial Bank online banking.Purpose is to make online banking of Shanghai Rural Commercial Bank get more customers,and becoming part of everyday life of customers.