Strategy Of Electronic Banking Development Bank Of China Inner Mongolia Branch

This paper discusses the Inner Mongolia area electronic banking development strategy planning theory, elaborated the electronic banking and electronic banking business characteristics and risk concept and the classification, then analyzes the electronic bank business development strategy as well as the theoretical basis for commercial bank electronic bank business development has a very important significance. This paper also combines the development of practical investigation and analysis of the Bank of China Inner Mongolia Branch electronic bank business development situation and the existing problems. After that, the paper uses PEST model, industry model, Potter five forces model and analysis of strategy groups for further analysis of the Bank of China Inner Mongolia branch of electronic bank business development in the external environment, summed up the Bank of China Inner Mongolia branch of the development of electronic banking business opportunities and threats. And then the Bank of China Inner Mongolia branch of the resources and capability analysis, summing up the advantages and disadvantages of the development of electronic banking business. Finally, this article through to the Inner Mongolia branch of Bank of China the development of electronic banking business SWOT analysis, on the Bank of the development of electronic banking business strategy, and put forward the corresponding development measures and suggestions. This paper draws the following conclusions:First, through the development of the Bank of China Inner Mongolia Branch electronic bank business development research, it can be seen that the current development of electronic bank business in the apparent existence of electronic banking business development direction is vague, electronic bank business development is not very balanced, marketing strength is weak, low market share;Second, through the Bank of China Inner Mongolia branch of the development of electronic banking in the external environment analysis can be seen, the Inner Mongolia branch of Bank of China the development of electronic banking has a good legal environment policy, economic and technological environment, but the electronic bank business development will face from the third party payment business impact and challenge, electronic banking service providers to meet the business development technology and infrastructure needs, customers are very concerned about the electronic bank in the use of funds of security problems, therefore, the Bank of China Inner Mongolia Branch electronic bank business development should also be required to increase customer service aspects of the various resources, eventually led the electronic payment and electronic banking business both can better realize the complementary advantages.In third, development opportunity, the Inner Mongolia branch of Bank of China will face China financial market develop rapidly, the introduction of foreign capital bank advanced idea. In the development of China threat, the electronic banking market competition will be more and more intense, the Bank of China Inner Mongolia branch technical constraints larger. Developing advantage, Inner Mongolia branch with the existing internal customer resource advantages, electronic bank rich products, products in the same industry leading function. Bank of China Inner Mongolia branch has a very high brand awareness. In the development of disadvantage, business organization structure needs to be adjusted, the new product launch speed is slow, the customer resource has yet to be further developed.Fourth, through the Bank of China Inner Mongolia branch of the development of electronic banking business by using SWOT analysis method can be seen that the Bank of China Inner Mongolia branch, best to use SO strategy in business development, take on the large area promotion strategy, and through the cooperation with the supply and demand alliances to build strategic alliance. Specific electronic banking business marketing, the first consideration should be given to the segmentation of target customer groups, continue to strengthen the overall marketing, bundling marketing and marketing consciousness, all staff to actively participate in the marketing activities, and to consider the establishment of the corresponding marketing performance evaluation system and incentive and restraint mechanisms, in the brand construction, pay attention to the use of the difference between the brand strategy, and to strengthen the management of human resources and financial budget system.