Research Report Of Online Banking Of Tianchang Rural Commercial

Internet banking is the product of information technology. Through online banking business, bank can improve work efficiency, so that funds to create the highest efficiency. It can also reduce production and operating costs. Customers through online banking can cross time and space to solve the business, not only save time cost, but also convenient and quick. In Tianchang, compared to other banks, there are limits to the development of online banking business of agricultural firms. On the one hand, it is the reform of rural credit cooperatives, the development of online banking business is bound to be flawed; on the other hand, agricultural firms as a regional commercial banks, the technology is not as large joint-stock commercial banks.Under this background, on the basis of customer perceived value theory, the author research the Tianchang rural commercial bank online banking business. The main purpose is to research the function of online banking is comprehensive; service quality; attention and promotion and brand effect. This research mainly includes customer basic information: gender, age, occupation, income, customer of online banking services specific preference: Service of the most commonly used and most valued design, most worried about problems, and customers on the market on the banks to provide online banking provided the brand loyalty and cognition; and the advantages of direct investigation of agricultural businesses online banking service aspects and deficiencies.In the final analysis, concluded that the specific problems of agricultural businesses in the online banking service has the following aspects: lack the specific function and homogenization of product design; lack of brand effect, the market share is not enough; service quality is low, poor customer experience; lack of attention, lack of promotion. Through the analysis of the specific reasons, the author gives some concrete suggestions and solutions in the end. Including: the rich agricultural bank online banking business use function, design personalized service; improve the service quality of online banking services; to build the brand of agricultural business online banking business and specific marketing promotion strategy. The author hopes to provide ideas and ideas for the development of agricultural firms.