Construction Bank WeChat Bank Business Analysis And Risk Research And Judgment

With the rapid development of Internet banking,financial market participants are more popular,people put forward higher requirements for the convenience of financial services.Under this background,the commercial banks launched wechat banking,the concept was first proposed by China Merchants Bank and in July 2013 by wechat of the deployment,covers the capital account change notice,account inquiries,settlement and apply for loans,financial management,network query pre about a number of business scope,through the form of wechat service,to customers provide banking products introduction,business process,information transmission,online customer service and other functions.It is a new channel to launch cross-border electronic banking in the mobile Internet,wechat platform is a new platform for the public to provide banking services.In recent years,China Construction Bank has always attached great importance to improve the level of electronic banking,as to enhance the core competitiveness of the key factors,in the transformation process from traditional banking services to the comprehensive electronic banking services model,based on the rapid development of mobile banking proposed "mobile first" strategy,wechat banking and other projects as the focus of the development direction.This paper in carries on the analysis to wechat and its current situation,to business through wechat platform to pull the potential customer consumption patterns were discussed,analysis of bank business development and the main way of using wechat.Wchat is representative of the Internet social forces in the investment decision-making role for further study,from the current consumer facing all kinds of new social environment choice preference of that banks and consumers by way of social networking for the necessity of positive communication.Combined with the bank's current development situation,introducing the concept of mobile banking,through the analysis of the four aspects of policy,economy,society and technology,judged mobile financial business model on the value of the bank.Through the wechat banking at present development situation and main functions are analyzed,the interbank wechat banking through test,find the advantages and disadvantages,from the perspective of risk control introduced currently CCB electronic channels and wechat banking face the situation,put forward suggestions for improving the service.