The Research On Electronic Banking Business Development Within Internet For Small And Middle Banks

In the 21 th century, with the development and spread of information technology and the internet, the revolution of the information technology is coming. The development of Big data, cloud computing and mobile internet not only bring the promotion of technologies but also the transformation of the whole social pattern. The deep integration of traditional finance and internet technology constantly creates newly financial products and patterns of financing and hence the internet finance appears because of that, for example, Especially in recent years, the prosperous development of mobile payment, cell-phone bank, online banking, online debit and credit, etc. Under this background, the small and middle banks in our countries such as rural commercial bank of Jinan has successfully made some related businesses of electronic banking and has achieved some fruits. However, in the new circumstances, small and middle banks in China stills face various changes and still need an actively creative transformation and development of financial banking through the electronic banking. On the basis of analyzing of the tendency of the online financing and the current development of small and middle banks under the internet banking, this article points out the opportunities and challenges small and middle banks is facing. Those banks should combine the weaknesses and strengths of themselves to achieve sustainable development through enhancing cooperation, improving the system of risk control, promoting inner management level, and building the platform of online banking.