Research On The Development Strategy Of The Electronic Banking Business Of HZ Rural Commercial Bank

With the continuous development of network technology,the financial system is increasingly perfect,the banking sector is constantly new changes in the transaction process,how to reduce the cost to meet customer demand become important research content in the transformation of electronic banking.In the face of the new pattern of the rapid development of Internet financial competition,is both opportunity and challenge,since October 2014 HZ agri-businesses since the bank was founded,in the face of the current situation,the bank should give full play to their own advantages,learn to think the Internet to modify the traditional business model,innovation,formulate reasonable layout of offline and online services and division of labor,integrated financial service system,to promote the development of construction business truly integrated into the "Internet +".We will further develop new financial products and promote new forms of business types,such as financial products for agricultural and commercial Banks,to meet customer needs.Bank to the tenet of "service to agriculture,rural areas and farmers" is always not shake,by county small and medium-sized agricultural enterprise development as a fundamental goal,according to the popularity of smart phones can go "surrounded by mobile banking online banking" strategy policy,increase the mobile banking service campaign,simplifying the operation mode of mobile phone bank,better meet customer needs in the countryside.Rural commercial bank with the help of the Internet to carry out the development of inclusive finance.Mobile Internet financial based on the payment to the value-added services,financial services or data by constructing various scenarios for financial services are more likely to touch,let XiaoEHua,a wide range of financial services with you.In the popularization of the user and business flow,product channels open,diverse background,conveniently for Banks,remodeling business process,on the basis of the original business to promote electronic banking business structure adjustment.The generation of the Internet financial for telephone banking,mobile banking,online banking and other financial products innovation,consumers' views on new things have a new view,consumers are willing to accept the electronic banking channels,the convenient business process got rapid processing better meet the needs of customers.Rapid development of electronic banking,times change and people is required to network request,especially rural commercial bank to constant innovation of science and technology,the traditional business financial products change e-banking transactions development mode,to achieve the development of electronic Banks as the main channel,hope to the electronic banking business development means the most powerful competitive.Based on their own in HZ agri-businesses bank working environment,carried out the study of HZ farming commercial banking business,through trade in the electronic banking business experience and methods,to develop new service marketing mode,and h HZ agri-businesses electronic banking business development strategy as the research object,and using the SWOT analysis tool,a detailed analysis of HZ bank of agribusiness in development strategy,the electronic product innovation and service,product marketing channel,combination product marketing strategy,gradually improve the inspection measures,risk assessment and control,strategic target,put forward rationalization suggestion to back talent pool,Promote the development of the network mode of HZ agribusiness.