Study On Countermeasures Of Internet-based Banking Business Of Jilin Branch Of Industrial And Commercial Bank Of China

In recent years, western commercial banks introduce Internet-based banking business one after another, and develop it as strategic emphasis. Internet-based banking business become a kind of important means that the commercial banks offer the financial service in the cybereconomy era day by day, and are causing a revolution of banking. Traditional concept of banks, management theory and management mode of banks, management styles of bank and inside controlling mechanisms will change fundamentally. Developing Internet-based banking business in an all-round way, seeking the technological innovation and the space of surviving and developing, and meeting the opportunity and challenge brought in cybertimes, has already become one of the main ways in which banks are improved. Meanwhile, Internet-based banking business bring a large number of risk which are related to information technology too, and how to distinguish, take precautions against and dissolve these risks have brought the new challenge to commercial banks too. There are five chapters in this article. The first chapter carries on the study to the Internet-based banking business from the theories, introduces the definition, category, characteristic and advantages of the Internet-based banking business, and introduces the category and characteristic of risks of the Internet-based banking business and the reasons that the risks produce. Internet-based banking business is a kind of creative business, which is the new service that the bank makes use of the calculator network or the net technique to provide for the customers, including the information service, exchanging service with customers and trading service. It has the advantages of low cost and convenience, infinite extending, etc. The risk of Internet-based banking business is larger than the traditional banking business. In addition to having the traditional banking risks such as mobility risk, credit risk and the interest rate risk, etc. The Internet-based banking business still have the technology risk from the specialty of information technique and the business risk from virtual financial service. The second chapter investigates the current condition of domestic and international the Internet-based banking business and its experience and apocalypses. The Internet-based banking business develops in unbalance on the whole, it develops most quickly in North America( the United States and Canada) and Europe, and the Pacific and Asia region is the next in order, such as the Australia, New Zealand, Hong Kong and Singapore. Compared with the flourishing nations and regions, the network process of banks of our country start late, but develops very quickly. The Internet-based banking business of the ICBC also obtains the fast development. The experience of Safety First Network Bank and Hong Kong banking to develop the Internet-based banking business provides the beneficial apocalypse for the commercial banks of our country. The third chapter analyses the current situation and existing problem of the Internet-based banking business of ICBC's Jilin Branch Bank in detail. In the last few years, the Internet-based banking business of ICBC's Jilin Branch Bank develops very quickly, the business species increases continuously, the business quantity increases quickly, the business management strengthens continuously, but has some problems in technology, products and management too. The questions in technology mainly lie in two respects including the instability of the product application system and the frequently upgrading of products, the questions in products mainly lie in that the products are relatively single, after-sales service is not perfect enough, and the procedure of business processing is more tedious, and the questions in management mainly lie in that the management system is not perfect enough, personnel management is dispersing, inner management is weak, and business operation training can't arrive the position in place, the strength of marketing is not enough and inner auditing is not enough, etc. The fourth chapter explains in detail the tactics that ICBC's Jilin Branch Bank should adopt in order to develop Internet-based banking business. First,On the thinking of development, it should concentrate on the themes of " benefit, market and service" firmly, fully utilize plural products of online banking business to meet different needs, utilize all marketing network that can be used, popularize the products of Internet-based banking business in energetical marketing, seize the high-quality company and personal customer's market actively, improve the popularity of Internet-based banking business, raise the business income of Internet-based banking business, establish the brand system to take" financial passage of e" as the core," finance managing e station"," finance@ house" as the branch. Second, in the guarantee measures, it should strengthen the leadership, and create the development condition; it should speed the product innovation, and keep the business advantage; it should push forward the business integration, and perfect product development system; it should create the brand and image, and expand the business of " finance@ house" of personal Internet-based banking business; it should strengthen the marketing, raise the service quality, and work hard to raise the income level of the internet-based banking business; it should strengthen the cultivation of talent, perfect after-sales service management, and strengthen the consciousness to guard against risks. Third, in the marketing strategy, it should utilize the whole advantage, form the marketing resultant force, and expand the market strongly; it should carry out the difference marketing strategy of important customers; it should strengthen the expansion and application of business; it should pay attention to cooperate with the external world of, strengthen consociation marketing with cooperation colleague; it should strengthen the customer relation management, and value the after-sales service. Fourth, on the marketing emphasis, for enterprise customers, it should work hard to make the enterprise customers which can get to the Internet to become its customers, strongly seize the high-level customer, and then pay attention to expand themiddle and small enterprise market; For personal customers, it should work hard to make the personal customer who can get to the Internet to become personal on-line bank customers, and pay attention to propagandize the advantages that the Internet-based business customer bring for customers by concrete cases. Fifth, on the marketing method, for the enterprise customers, it should mainly adopt the marketing method by face to face, especially adopt the means of convening the concentrated recommendation meeting of marketing or attending the exhibition that the enterprise customers are relatively concentrate; For personal customers, it should utilize the advantage of feasts and holidays to propagandize Internet-based banking business. Sixth, on the particular activity of marketing, for the enterprise customers, it should carry out those activities that small and medium-sized enterprises come into the electronic passage of finance and the group's customers come into the new era of financing, etc. for the personal customers, it should carry out those activities of remitting money by internet, Internet-based banking business going into the government, paying the fees by Internet-based banking business, Internet-based banking business going into the campus, and Internet-based banking business going into the community, etc. The fifth chapter analyses the measures that ICBC's Jilin Branch Bank should take to strengthen the risk management and prevention in the process of developing Internet-based banking business. First, it should establish the index system of Internet-based banking business and the early-warning system, to supervise the unusual transfer of funds of borrowers, the transfer of large quantities of funds across the region or across the bank, and bad behavior etc. Second, it should strengthen the management and prevention of the technique risk by building up the perfect inside procedure and controlling measures and perfect checking and auditing system; it should strengthen the management and...