The Research Of A Bank's Electronic Banking Business Development On The Background Of Internet Finance

Electronic banking is a kind of creation,a combination of traditional banking and latest technology made by banks.Electronic banking provides customers with convenient services and it also helps maintain and acquire new customers.The widely welcomed China's electronic banking first appeared at the end of last century and developed swiftly thanks to the deep integration and application of internet technology and finance.Meanwhile,online services of commercial banks started to become a trend.Since 2013,China has entered the era of internet finance as new financial modes and products emerging and Electronic commerce burgeoning.Customer behavior,preferences and need diversify under the circumstance of fast developing internet finance,which not only poses greater challenge to commercial bank's services,but provides electronic banking business with broad prospects and market.The reformation and innovation of electronic banking has made the business a part of internet finance and a field of competition among banks today.Electronic banking is also a crucial business that commercial banks realize innovation of products and services.Hence,the research of electronic banking's development under the background of internet finance is very meaningful.This thesis researches the electronic banking business of one traditional giant commercial bank A under the background of internet finance and focuses on the causes of and solution to the problems during the development of its electronic banking business.This problem-oriented research starts with the introduction of the problems in the development of electronic banking and continues to analyze the causes of the problem,and draws to the conclusion by proposing strategies to overcome the problem.In terms of the structure,the first part of the thesis is a general introduction of E-bank business theories.The second part will discuss the history and status quo of China's electronic banking business under the background of internet finance and exemplify A Bank of its electronic banking business and analysis of its problems.The last part proposes the resolution to A Bank's electronic banking business problem from the aspects of products,services,promotion,marketing and supportive measures.The resolution includes innovation and differentiation strategy of products,integrated procedure of online-offline,before-sale and after-sale services,application of internet technology and effective promotion channel for marketing and internal management.The analysis concludes several approaches including research of literature and comparative studies.