Study Of The Strategy Development Of Electronic Bank In Rural Credit Cooperations

This is a practical topic of the combination of theory and practice. Electronic banking, a product of the combination of IT and banking, is developing worldwide with boundless innovation and potential, making research on electronic banking(EB) hotter than ever before. Limited by the economic system that serves the "3nong", the RCC (Rual Credit Cooperatives) has been slow in using EB, resulting to a certain extent the business of agricultural EB and hence the slow development of the RCC. Presently, with the great achievements of the RCC,it is still faced with some problems. With a research on the RCC of Meng Yin County and a deeper study of the EB of the RCC of Shandong Province, this essay aims to get some practical idea about our work, to make suggestions on the continuing and stable development of RCC of Shandong Province and to show the important role EB is playing in serving the "3nong ".The structure and characteristics of this essay are as follows--Part1--A brief introduction of the meaning and backgrounds of this article with the idea that EB is not only making profits for various commercial banks but supplying good chances for the RCC’s development and catching up with other commercial banks, followed by brief introductions of theories like net marketing, customer relations and EBs like SWOT. Part2, a summary of EB businesses, first gives the definition of EB as domestic definition of EB varies as a result of the different backgrounds of the development of EB abroad, followed by a short introduction of the process of the development of EB at home and abroad and the new characteristics of EB businesses and finally an analysis of the problems that exist in the development of Chinese EB. Part3includes an analysis of the important meaning in using EB to help RCC making more profits, and a SWOT analysis of EB development of RCC,which shows the advantages, disadvantages, challenges and opportunities RCC faces in developing EB. Part4introduces RCC’s EB in rural development achievements and difficulties. Through the development of EB and other business situation and problems of analysis, that the development of EB services for the RCC has a very significant meaning, but must face up to their own shortcomings and problems. Part5are suggestions on the measures in development of RCC’s EB, also the main channel to promote e-banking strategy as the starting point, in order to make contributions to the continuing and stale development of RCC’s EB.