A Research On The Construction And Implementation Of Electronic Banking In Fuzhou City Commercial Bank

Electronic Banking is a business model of banking industry, which is the combination of financial business , specialized knowledge and information technology, that carries on bank service informatization through using the information technology, so as to provide services of value added to customers and enhance its competitive advantages. Developing electronic bank service can enhance the commercial bank image, set up the bank brand, attracts the high customer, expands the market share, increases business efficiency, what is more important, the modern finance innovation is often combined with electronic bank, and the electronic bank platform has already became the foundation platform of financial innovation.The Fuzhou City Commercial Bank has completed the electronic system construction of new generation , and has realized customer information conformity,the product management conformity, the backstage application conformity as well as the foreign joint conformity, which conforms to the bank intensification principle, and conforms resources efficiently. At present, it has mainly accomplished the basic function of ATM,the POS electronic service and the customer service center in the electronic bank construction,and has extended to existing traditional electronic service,but lacked of pertinence, systematicness and high attachment value. The next stage, it will consummate the electronic bank construction,fulfill the channel conformity, effect the display coordination,develop overlapping product, expand overlapping sale, realize the polymerization operation, that will manifest management idea of"take the customer as the center".The article consists five parts. The first part introduces the definition of electronic bank,the service category and its influence, and the existing question of developing electronic bank in the current internal commerce bank, the vital significance of developing electronic bank, and makes a summary of relative research literature both the domestic and overseas. The second part analyzesemphatically the informatization technology condition and development tendency of city commercial bank. The third part puts forward the Fuzhou city commercial bank's competition situation, proposed the electronic bank developmental strategy. The fourth part proposes the Fuzhou city commercial bank's electronic banking concrete construction and the implementation content from six aspects, such as management,organization,technology and so on. The fifth chapter explains the electronic banking implementation effect of Fuzhou city commercial bank, and carries on the summary to the full text, at the same time points out insufficient, question and direction of further studies.Electronic Banking is the transformation of commercial bank business model, it develops vigorously the electronic bank channel, and realizes coordinated development of the entity bank and the hypothesized bank. Developing electronic bank is the important method of breaking the mesh point and the region limit,and developing the high customer. Through combining the financial service with the information technology , innovating finance product design and marketing channel, and the operational procedure, we can provide high attachment value service for customer, strengthen the bank competitive advantages. This article takes the example of the electronic bank construction in Fuzhou City Commercial Bank, getting conclusions to illustrate the"Integrated Information Framework"in the electronic bank so as to exert overall benefit, includes changing management way of the tradition rule , the software and hardware technology and the organization operation pattern, then offers a good guidance for high level leader in the domestic city commercial bank when promoting business of electronic banking.