Research On Marketing Strategies Of White Sea Branch Internet Banking Of Postal Savings Bank

With the development of the banking sector, there are an increasinglycompetitive in financial markets, how to expand financial services potential, andservice customer better and reduce operating costs while in the servicing, andimprove corporate earnings, it is the theme of all the banking sector need to beconsidered. With the development of scientific and technological level, the popularityof the network technology, the emergence of online banking has aroused specialattention form domestic and foreign commercial banks in the1990s, It can reduce thequeuing network pressure and reduce the front desk staff, so that bank have savedlabor costs, the more personnel liberated can go to key positions in order to createbetter value for the bank, The same time, through increasing customers to enjoy thefinancial services channels can enhance the level of service and capabilities of theBank in online banking. After10years of rapid development, the level of technologyand service delivery model for online banking is getting more sophisticated, from theoriginal simplified service model to gradually evolved into "customer-centric",personalized service, and It is more and more welcomed by the general public,therefore, at this moment Internet banking has become focus on the developmentdirection in all the commercial banks.Based on the above considerations, the article is the study and explorationmarketing strategy of White Sea branch of online banking of the Postal Savings Bank.Firstly, It Briefly discusses the concept and characteristics of the online banking, Andsummed up an important role of online banking form the development course of domestic and international in the Bank's Development in order to Long-termdevelopment for the banks in the future, we must have to adjust their businessdevelopment on focus, firmly grasp the e-banking, especially the development ofonline banking, so there is a place in the fierce competition. Through successful casestudies analysis of the development of online banking at home and abroad, also thesuccessful practices of other banks was summarized in the development of Internetbanking. Then this article has described the development status of the White SeaBranch of Postal Savings Bank online banking, summed up some of the problems thatexisted on the development of online banking, the article has used the SWOT analysismethod, the growing market of online banking environment of it were accurateanalyzed,for summed up it have both opportunities and challenges with white Seabranch of the development of online banking services of the Postal Savings Bank, butcomprehensively, it looks at more of the disadvantages, it is recommended to take acautious development strategy. Using4P strategy, from product strategy, pricingstrategy, channel strategy, promotional strategy for four of the marketing strategy ofthe White Sea Branch, Postal Savings Bank online banking to analyze and discussfrom the four obtained To do online banking in-depth study, including to enhanceproduct innovation and service, providing a positive price advantage strategy,increasing sales channels, and do a good job advertising a series of methods. Finally,for the effective implementation of the protection of the strategy, several safeguardmeasures was issued on the White Sea Branch of Postal Savings Bank for its onlinebanking development, including the mode of business management, customermanager team building, service management and business risk management, to ensurethat White Sea Branch of online banking is fast and healthy development.This paper has used a combination of theoretical analysis and case analysis, withsome of the research literature and statistics, has collected large amounts of data, wehope that strategy proposed of the paper will be some reference value and significance for the development of the postal savings bank online banking.