A Study On The Development Strategies For Shandong Branch Of China Construction Bank Electronic Banking Service

With the complete integration of information network technology and financial globalization, global electronic banking has been explosively developed with the help of the development of internet and the rising of the E-business. The electronic banking can widen the field of finance service, raise the quality of finance service, expand the proceeds of sale, reduce the bank service costs, innovate the mechanics of banking, and promote the competitiveness of electronic banking, it represents the financial services business development in the future. After the development of domestic electronic in recent years, the bank has begun to take shape, but compared with the developed countries, the gap is still big. So, in the face of the foreign banks in the competition, how to speed up domestic commercial Banks of the electronic banking business development, has become the urgent matter of the commercial Banks.This author of the article through reading a lot of literature at domestic and abroad, and using the development of commercial banks in developed countries of the successful experience of the electronic banking business, analyzes the domestic commercial bank of relatively mature approach of electronic banking. With the Construction Bank branch of Rizhao as an example, by using ARMA model CCB branches of Shandong province electronic banking development trend was predicted, and the VVB Shandong branch around the development of the electronic banking business a detailed study of Construction Bank Shandong branch, and combining the current electronic banking business development, and points out that the actual in trading habits, product categories, r&d mechanism, risk management, resources into, training mechanism and evaluation mechanism, there are many problems and the insufficiency. Aimed at the problems put forward a series of Construction Bank branches in Shandong province development countermeasures of electronic banking business, including optimization service process, improve the customer experience; Perfect service system, improve the service quality; Standard business operation, strengthen risk control; Widen development channel, creating characteristic brand; Seize strategic opportunity to establish scientific system,; Strengthen the data base, build fine management mechanism; To strengthen the construction of infrastructure, build fast technical support system; Perfect training mechanism, construction of scientific and rational science system, etc. In short, the development of the electronic banking business, to the financial field of innovation and the development of the society which has played a positive role in promoting development space, the future is great.As a miniature of the CCB, Shandong branch electronic banking business development present situation, problems and the future direction of development in CCB and the whole domestic commercial bank's electronic banking category have relatively typical representative meaning. We hope that this paper puts forward the development countermeasures and relevant measures of Shandong Construction Bank, the development of the electronic banking business and domestic business bank electronic business development is of some reference value and promote significance...