Researches On The Development Of The Online Bank Business Of Chongqing Branch Of Industrial And Commercial Bank Of China

The paper discusses the application issue of integrating theory with practice in online bank. As the outcome of IT and banking business, online bank is rapid and intense surging forward in the whole world, with continual innovation and boundless potential. The research already becomes a hot spot. Through studying in a deep going way on the online bank business of Chongqing Branch of Industrial and Commercial Bank of China, the article hope to take gain of the job thought with practice sense for giving a guide to the bank about how to develop it solidly and continually. And the business can be made to play an important role in the reform of Chongqing Branch.First, it inspected the business developed condition of the developed Western countries and the homeland. Secondly, Five Kinds Strength Models was applied for analyzing the industry environment of the online bank business of Chongqing Branch, and VRIO for analyzing the inner conditions. Finally, on the basis of deep researching the question in developing, the solving was brought forward through structural analysis.The article have the conclusions: the business of Chongqing Branch possesses a good environment outer, and it has been developing per year at the rate of 30%. Yet, its growing is so lag that it can not meet the city position under the Central Government, compared with other branch of Industrial and Commercial Bank of China. Its row placed backwards in 30 one-level branches of ICBC. Obviously, it exist the question of development slow and insufficient. Therefore, according to the logical of necessity, business process in front, business process in middle, business process in end, the complicated question could be divided as Cost Resume, Marketing Extension, Business Management, and Safeguarding Risk. This formed the analyses structure composed of four main keys.It concludes that, firstly, online bank business developing power is the strategic choose of ICBC according to the analyses of Cost Resume. Secondly, Chongqing Branch's online business was facing with the challenges of lower urbanization level, ambiguous price advantage, and insufficient creation of product function. Thirdly, it is confirmed with the three main questions having strong influence on Business Management, namely, Management Examination, Business Process and Customer Serve. Finally, Technology Risk, Handles Risk and Law Risk are recognised as the risk type of the tightest relation with online bank business. To resolve the above-mentioned problem appropriately, it presents four tactics, that is, Cost Resume, Marketing Extension, Business Management, and Safeguarding Risk, which is an active probe for structural analysis of the issue.The thesis has adapted a research method of integrating theoretical with practical analysis. It soaks up new research document and investigation into customers, arranging large amount of data, and making the overall paper with data analysis.