Promoting The Value Of Post Office Bank Electronic Service Channels Research

The bank as social financial intermediary, is the main body of the social payments system, economic operation of every economic subject, is all through the bank established capital relationship, and finish all kinds of goods and services trade. Banking is a capital intensive industry, with the nature of the information service industry, both in developed regions or backward area, banking is a computer and network technology of the largest and earliest users, is the most suitable for the era of network industries. In the electronic commerce and the network economic mode, traditional Banks are facing opportunities and challenges, the electronic commerce to banking brought infinite opportunity of development and business opportunities. The bank is the whole society HuoBiLiu carriers, but also guide information flow and logistics of the basic platform, in the electronic commerce is playing aleading role. In an information technology with the high-speed development of The Times, in a consumer demand changing times, commercial Banks if not random strain, lose is not only the customer and profits, even by market ruthless eliminated. Electronic business for the bank provided a new business fields, for the Banks get business income, speed up the middle product innovation pace of network times, to attract customers, change management and service mode has created a very good opportunity. This paper analyzes the development environment of electronic channels, the comparison of commercial bank electronic service channels status, analyzes YouChu bank electronic service channels development situation and problems, and puts forward the electronic service channels value improvement strategy. Physical service channels extend from supplement, electronic payment services ability, improve customer use electronic channel experience, the countryside electronic service channels pay network construction, and puts forward the ascension YouChu bank electronic service channels value level the results of the study, and management advice.