A Study On Development Of The Electronic Banking Business Of Commercial Banks In Our Country

Electronic banking business in recent years,with China's economic development and financial market demand and rapid development,has now become the banking business is a very important part and the scale has expanded each year,to the life of people more and more greater impact.Therefore,it is very important to study the development of the electronic banking business of commercial banks in our country.First of all,the definition of electronic banking business,and the electronic banking business also includes online banking,telephone banking,mobile banking,self-service banking,etc..Then respectively of electronic banking business characteristics and advantages described,compared with the traditional bank business,electronic banking significant is characterized by high efficiency,fast,convenient and low cost,electronic banking products also has diversified and personalized features.Therefore,the study of electronic banking business development,not only the inevitable trend of financial markets,but also the core competitiveness of banks to enhance the core competitiveness of banks to survive the development of an important factor.In order to better carry out the development of China's electronic banking business research,in the analysis of the current stage of development of electronic banking business environment,and then on the domestic and foreign electronic banking business for comparison and analysis.Which,at this stage of the development of electronic banking business rapidly,especially increasing the size of the business,Internet payment transactions every year new breakthroughs,which makes the development of electronic banking business has a good development environment.Through the analysis of the development of foreign electronic banking business,we can learn from foreign mature development experience,for the development of China's electronic banking business.The problems in the development of electronic banking business of commercial banks in our country are lack of market awareness,poor product agility,low customer moving rate,poor marketing concept and after-sales service is not in place,and so on.Analysis of the reasons,mainly in the role of Bank of electronic banking is not in place,channel construction is not perfect,the product function does not apply,there is a certain risk of electronic banking and professional talent shortage and other issues.Through empirical analysis for the further study of the development of e-banking business of China's commercial banks,selected object three branch of Agricultural Bankof China,Changchun City,Jilin Province high tech Zone,respectively,for high tech Zone rich front branch,high and New Technology Industrial Development Zone Branch Business Department,high tech Zone Shi Ji home branch,after the data collected in2014 and 2015,respectively of the electronic banking business development scale and permeability analysis,households rate analysis and electronic banking income analysis.Through the analysis we can see that,whether it is business development scale and permeability,three branch,the overall upward trend,but the move households rate is low,especially the user's personal dynamic households rate is low,and electronic banking business income,its consumer business,e-commerce,personal online banking and corporate banking mainly.Combined with the results of empirical analysis,the development of electronic banking of commercial banks in China to achieve the goal is to establish safe and reliable modern payment system,improve product function,promote the development of self-service banks and improve the bank's management level and work efficiency.In order to achieve the established objectives and the development of electronic banking business of commercial banks in China have the following suggestions: strengthen the importance of electronic banking business,improve marketing efforts,speed up the innovation of product function,improve the risk management and control level,do a good job tracking feedback and after-sales service and strong professional team construction.