Exploration On The Development Of E-bank In City Commercial Banks

The e-bank of the City Commercial Bank plays an important role in the bankingManagement because of the development of the Internet and the rise of the electroniccommerce. For the City Commercial Bank, how to keep up with the trend of the times,how to promote the business development and stand firm, is very important.The study found that the e-bank is the future trends. The meanings and theinfluence of the e-bank also prove it. The development of e-bank in city commercialbanks is a great opportunity and challenge. In this case, seize the chance of the trendof the e-bank, is of great strategic significance. Based on the studying of the domesticand foreign e-bank features, the present, the macroscopically environment, andanalysis of the external environment customer relationship management, the paperputs forward the development strategy in the intense market competition：improve thedevelopment of e-bank policy environment, build competitive advantage to make hise-banking brand, strengthening the bank each element of the investment plan as awhole development and enrichment of the electronic banking system, as well asenhancing risk management and introducing CRM system development electronicbanking. At last, the article takes Bank of Quanzhou as the example, verify thedomestic development strategy of city commercial banks. Through the summary of itsexisting e-bank system, and the analysis of the e-banking development, the articlefound its shortcomings, gives the solutions of the extent of its business electronically,the weak technology, the lack of planning, innovation, scientific evaluationmechanism, inadequate marketing and the presence of the security risks. And than putforward to enhance e-banking business accounting for strengthening electronic bankinformation than, construction, as a whole and innovative development e-bank,establishing a scientific and standardized examination system, expanding propaganda,strengthen risk prevention and create regional development countermeasures, such ascharacteristics. What begging it create regional features e-bank competitive advantagein Bank Of Quanzhou has important reference meanings.