Analysis Of Industrial And Commercial Bank Of China Mobile Phone Banking Development Strategy

Under the background of Internet banking, mobile phone bank is extending position of online banking in the commercial bank development strategy will be increasingly prominent. Mobile phone banking enabling the banks to make more rapid and efficient way for customers to provide a variety of financial services, brings hitherto unknown experience for customers. No matter from the more perfect foreign mobile phone banking market is now domestic third-party mobile payment of the popularity and development trend watch, presages a future financial services and mobile phone banking has good prospects for development. Industrial and Commercial Bank of China is China's earliest launched mobile banking business one of the banks, in the context of the Internet must be further thinking planning mobile banking market, how to face and solve the mobile banking business to carry out the insufficiency and the flaw, how in the fierce market competition and rapid development of mobile banking business such as a series of problems.This paper on mobile banking development and operation mode were reviewed, put forward under new situation of commercial banks in the development of mobile banking urgency and importance; of industrial and Commercial Bank of China to carry out the status of mobile phone banking were comprehensively, systematically, summarizes the present status of the industrial and Commercial Bank of China Mobile bank business, pointed out the main problems faced by the mobile phone banking and the reasons; using the SWOT analysis method for the industrial and Commercial Bank of China mobile banking business from ICBC internal advantages and disadvantages and the external environment opportunities and threats analysis, the industrial and Commercial Bank of China should be implemented based on the so strategy, St, wo strategy, supplemented by the development strategy. That the bank should carry forward the strengths, weaknesses, identify problems, in order to gain the initiative in future competition. An overview of the practice of foreign mobile banking business development and related experience, looking for ICBC to develop mobile banking business inspiration.Based on the above analysis, combined with the advantages and the advantage of other domestic commercial bank mobile banking products, corresponding business development ideas and suggestions are put forward from the aspects of business innovation, marketing, multi-party cooperation, and looks forward to the future development of mobile banking, the analysis and suggestion on hopes that this paper can has certain referential value to industrial and Commercial Bank of China and the development of mobile banking.