Research On The Efficiency Of Electronic Banking In Large State-owned Commercial Banks

In the current stage of the development of the background,the integration of economic and financial development,China is entering a critical period of financial reform,Many times to cut interest rates for commercial banks to gradually narrow the spread income,to the commercial banks of the business has brought a lot of pressure.Electronic banking is a new concept and service mode,which has a great role in the development of the banking industry.Electronic bank slowly changing the banking service,management mode,the competition pattern has changed;to the traditional banking industry has brought great changes.Its business is also quite open and pluralistic,comprehensive cash management services and personalized financial products closer to customers.After more than ten years of development,the electronic bank has experienced the transformation from the original as the traditional bank to support the modern bank.As a result,the electronic banking business as a commercial bank means of competition must be a strong support.At present,major banks have invested into the construction process of electronic banking,from the traditional business to online,to the development of electronic banking as the primary task and even enhance to the strategic level.Bank investment advanced technology research and development,launched to meet customer demand for differentiated and personalized financial products,continue to reform and improve their own financial services,broaden the scope of business of electronic banking,but it is inevitable in the process of development appear some problems.This paper will analyze the operating status of the large state-owned commercial bank electronic banking,electronic banking business data to extract information from the measured electronic banking business performance.Operating performance is not only the embodiment of the comprehensive management ability of banks,but also enhance the competitiveness must be paid attention to and for the conclusion of the study proposed suggestions for improvement.First of all,this paper analyzes the influence of electronic bank on traditional bank.points out the necessity of the development of electronic banking,and has carried on the description to its business,including Internet Banking,mobile banking,telephone banking and self-service.Secondly,this paper introduces the current situation of the electronic banking business of five state-owned commercial banks,and analyzes their business,and analyzes the factors affecting the efficiency.It is found that the business is the same,the different products are very few,and innovation has a very important role in improving the efficiency,the results of the analysis for the last chapter of the recommendations to lay the foundation.Then,using the BCC model in the DEA method and an empirical study on the electronic banking business of the state owned large commercial banks in 2012-2014 by the method of production.The study found that the comprehensive efficiency of electronic banking,the efficiency of the banking business contribution,but the development of electronic banking business is not balanced,still need to enrich the types of products,improve differentiated services.And also exists the insufficiency of output,electronic banking market there is great room for improvement should be to strengthen technical inputs,improve the ability of innovation,still need to increase marketing investment,change marketing mode,achieve customers differentiated marketing strategy,such as the Internet and the combination of big data technology.Finally,based on the results of the study,the future of how to continue the commercial bank electronic banking business made a constructive comment.I hope through the research can bring the valuable and meaningful information to large state-owned commercial banks and other bank’s electronic banking development,promote the development of China’s electronic banking business.