The Research Of ICBC Electronic Banking Application Mode In Xi'an

As the further developments of computer technology,network technology,information technology,intelligence technology and other modern high-tech technology,and in the background of the integrative and comprehensive development of electronic currency.E-business and global finance,at the same time,because of gradually vigorous market competition,bank management development mode transforming,customer pursuing the financial demand carried out conveniently and bank finance products creativing continuously,a kind of new bank service mode which is "electronics bank" is produced immediately.And this kind of new mode will become the main developing direction of the service mode of our country commercial bank.This paper tries to make detailed introductions about the definition of electronic bank,main products including on-line bank,telephone bank,self-help bank and the systematic structure of electronic bank and its relative theories.By analyzing the present developing condition of foreign electronic banks,some experience and enlighhenment for referencing about the electronic bank business of our country can be received.By combing the actual domestic condition,some problems existing in our country electronic dank business can be summed up.Based on these,I try to put forward some relative policies in order to develop our country electronic bank business better.The electronic bank business broke through the thinking mode of the traditional bank developing,such an having the changes on the service mode,marketing mode.At the same time,the network technology,computer software,hardware,and how to achieve the serving customers' purposes by means of a software design etc.are also put forward a very high request.Only the commercial bank develop its electronic bank service quality continuously,develop new business forms continuously,satisfy customer's request maximally,take the customers as center and have a try to innovate in electronic bank products,can push forward electronic bank business develop continuously.The paper takes industry and business bank electronics bank business in Xian City for example,put forward related problems combining with corresponding resolving methods by analyzing and investigating the present developing condition of the electronic bank business in Xian a,application mode,various market factor and its data.