Research On Development Strategy Of Electronic Bank Of Hebei Branch Of China Construction Bank

With the development of social economy and modern information technology,commercial Banks provide financial products in constant innovation,electronic banking business in a tangible,on the basis of traditional Banks,promote the commercial bank service mode,management mode and marketing mode innovation,it highlights the service advantage of authors,increase efficiency and great innovation advantages to enhance the core competitiveness of commercial Banks,becoming the new benefit growth point of commercial Banks.At present,in practice,our country electronic banking business development relative lag,architecture in the electronic channel construction,management system,product packaging and combination,the respect such as channel experience and the idea of advanced electronic bank must have difference.Especially for local small and medium-sized financial institutions,their strength is weak,science and technology information construction lag,the electronic banking business development strategy,customer management,risk control,less product stratification in the areas of research.In order to open up more broad space for the business,must further study of the innovation and development of electronic banking business strategy,it is not only beneficial to the sustained and healthy development of the electronic banking business,and to strengthen the key competitiveness of CCB's branch in hebei province has a very important role.Electronic banking business in attracting high quality clients,stability and distributary counter pressure,reduce operation cost has an irreplaceable role.It can provide customers with premium services,which offer a variety of business support of ductility,effectively explained the characteristic of electronic banking business core competitiveness.Therefore,you must put the development of electronic banking business in the important strategic position,with global thinking and long-term perspective,precise positioning of electronic banking market,to promote the development of electronic banking business,improve the bank's core competitiveness.To the development of electronic banking business as implemented by the personnel,the important measure of network intensive transformation,as an important channel to build the first retail bank.Based on this,this thesis mainly analyses and studies the commercial Banks present situation and existing problems of electronic banking,business,the future development trend of the development strategy,organization structure,business management,market decision-making mechanism,business process,service system and so on several aspects in order to find the problems and the insufficiency,proposed take the customer as the center of the electronic banking business management mode,put forward how to optimize the internal organizational structure,how to develop customer relationship management,how to set up take the customer as the center of the product system.This paper mainly from the customer service experience,technology promotion,and product innovation three aspects analysis the development of the electronic banking business strategy,combined with the practice of construction bank branch in hebei province,expounds the development of electronic banking in the three aspects above,and put forward the suitable for the construction bank branch in hebei province electronic banking market positioning and development Suggestions and strategies,finally discuss the prospects of the development of electronic banking business of commercial bank.In this paper,the research to guide the construction bank,hebei branch electronic banking business development research has important theoretical and practical role.