Research On Electronic Banking Business Process Optimization Of Chaoyang Branch Of Postal Savings Bank Of China

With the rapid development of electronic information technology and the rapidpopularization, the from all walks of life are under the influence of electronicinformation technology, it is not only a simple reflected in the improvement oftechnical level, but also embodied in the transition of the social behavior patterns.And in the banking sector reform trend in information technology, is also affected bythe ever-changing information technology. In order to meet customer demand,improve the level of post office bank’s overall business, dealing with the third partypayment platform, foreign Banks, the challenges facing the demands of customers, soat the beginning of the construction bank, the bank of post office2008and timely putforward and opened one of the electronic banking channel telephone banking, withthe increase of customer demand, the post office bank have opened a personalInternet banking, mobile banking and other new business.Postal savings bank in chaoyang branch as a young, state-owned commercialBanks in the process of continuous transformation to joint-stock commercial Banks,faced with a lot of opportunities and challenges. Post office bank branch in chaoyangelectronic banking customers at present is still in development stage, to develop theelectronic bank, increase the rate of substitution is the post office electronic bankefforts in the direction of the electronic banking business. To enable customers tobetter understand the post office bank of electronic banking, faster to conductelectronic banking business, the use of more secure electronic banking business,based on the post office bank electronic banking business as an example, from theaspects of system, system and operation process of electronic banking businessoptimization.In this paper, the post office bank in chaoyang branch, analyzing the presentsituation and problems of electronic banking business process through the channels ofelectronic banking customer registration, customers, information modification, additional channels, customer cancel the account, account cancellation of the presentsituation analysis, points out problems existing in current electronic banking businessprocess, and analyze the present problems of the electronic banking business.According to identify the problems and risks, in the post office bank electronicbanking system requirements, the process to deal with electronic banking systemoperation process and client operating process as three aspects carries on the analysis,find out the electronic banking business process problems and the causes of theformation of risk. To electronic banking business process problems and the causes ofthe formation of risk, conduction system in the electronic banking, electronic bankingoperation system, employee behavior and client operation square in the face of theelectronic banking business process optimization, enable it to better meet customerdemand, convenient for the customer to deal with.