The Research On The Barriers And Countermeasures Of The Development Of China Construction Bank Electronic Banking In Shenyang

The electronic banking means generally that the bank is engaged in the activities related to the bank by using the electronic network communication technology and its service methods are by internet, telephone network, mobile phone network etc.. With the constant improvement of the level of the information technology of the commercial banks, electronic banking business has become another service method for the commercial banks, which extends the traditional service methods of bank and becomes another window of the original business service, product marketing and brand promotion. It has become the important part of the bank business operation and a window to show the operation image and competitive of the bank. The electronic banking can provide various standardized and personalized service beyond the limit of the time and location, reduce the operation cost greatly, raise operation efficiency of bank and strengthen the core competitiveness to attract more customers. The electronic banking is playing the more and more important role in daily banking operation system and representing the future of financing development.For a financial enterprise, its competitiveness is hinged on three elements, products, customers and operation. In the past, the bank can develop its business depending on only one of these three elements; for example, if the bank has the advantage of the products or customers, it can hold the lead in the market; but in the future market of interest rate liberation, the competitiveness is decided by the operation efficiency. The article makes a detailed research about the development of the electronic banking of China Construction Bank in Shenyang, elaborates the classification, definition, function and development situation. It puts the importance on the current situation of development of China Construction Bank electronic banking in Shenyang, makes analysis and comparison with the electronic banking in other cities. In the aspect of product development, the article expounds the various elements which restrain the development of electronic banking of China Construction Bank in Shenyang by using the operation theory, points out the problems during operation of electronic banking operation, suggests the measures to make some improvements and to narrow the gap with electronic banking in china, to improve the share of the market, to raise the income of intermediary business of electronic banking. Finally, the article will share some experiences with the other banking organization in the same industry.