Research On The Construction Of JS Bank Online Banking Payment Mechanism

With the rapid development of modern information and Internet technology, especially the development of large data, cloud computing, networking, mobile Internet, search engines, social networks, Internet banking has changed many traditional industries operation management mode, including the financial industry. In recent years, the rapid development of Internet technology has brought a lot of convenience to people, which also led to the rapid development of bank electronic banking business iteration. Although the new technology to enhance the customer experience, but also due to the rapid upgrade and exposed some security issues. Now, commercial banks will be more attention focused on how to deal with this challenge, but the lack of a good solution mechanism for online banking disputes, resulting in online banking disputes is slow and biased, allowing customers to lose confidence in the bank, more become the focus of the media, not only affects the development of electronic banking business, more to the bank the credibility of incalculable risk. This requires not only the simplified online banking dispute judicial procedures, more urgent requirements of China’s banking industry to be able to recognize the seriousness of the problem, the increase of research in science and technology, law and other aspects of the investment, promote the research and practice of the theory research mechanism of online banking disputes. To ensure that the interests of customers, from the customer experience perspective, the Internet banking dispute after treatment process improvement, not only the side to promote China’s electronic banking industry steady and rapid development, but also for the innovation of China’s financial industry to provide a strong guarantee.From the perspective of commercial banks, this paper systematically studies the formation and definition of online banking disputes in a comprehensive and systematic way based on the typical objective cases, informative and powerful data, combining with relevant theories and practices. Based on the current situation of no online banking payment mechanism bank and has launched online banking payment mechanism bank JS treatment status were compared as the research content, the online banking payment mechanism for commercial banks to bring positive influence, reveal the necessity of constructing the online banking payment mechanism, and in-depth analysis based on the exposed online banking payment mechanisms dealing with existing problems in the process, including whether to do security and custodial obligation is difficult to determine, customers do not understand the system lead to dissatisfaction, the results of processing business of electronic banking security scale difficult to grasp the three aspects, and points out that the root of the problem lies in the system on the premise of reconciliation is not clearly defined, branch staff understanding of the system is not in place, customers of Internet banking security awareness Is not sufficient, no bank transfer of other institutions of information mechanism, electronic banking business of online banking business overall control ability is not strong, and for the smooth implementation of JS bank online banking payment mechanism is put forward the countermeasure that the commercial banks should change the risk management objectives, develop electronic banking payment mechanism, online banking disputes tight the establishment of Internet banking dispute information database, electronic banking to strengthen safety education and appropriate marketing, make the cost into profits.This paper is expected to be studied and discussed through the process of disputes on commercial bank electronic banking, and bank JS positive impact on the initial cases of electronic bank payment mechanisms and implementation difficulties of in-depth analysis, to provide practical and effective ways to improve the construction of JS bank online banking payment mechanism and the implementation of the strategy, and can provide useful reference for other commercial banks to build online banking payment mechanism.