Electronic Banking Business Of Commercial Ank Development Model And Risk Management Research

In recent years, information technology and Internet e-commerce are flourish, commercial Banks with the big wave of information technology develop financial innovation, in order to get more new development opportunities. Banking, insurance agency, securities is the main force of internet financial all around the financial market. Recently, however, there are some electronic borrow-lend P2P network platform to occupy on the business, and even third-party payment. Especially in the bank the money is in short supply at present, commercial Banks not only face the service grid from the traditional physical competition into electronic sources of risk and challenge, but also need more powerful technology innovation, service innovation, channel innovation and function to meet the challenges of the borrow-lend network platform.Compared with all commercial banks’ develop pattern and combined with the electronic banking business concepts, characteristics, classification and development pattern, and so on, this paper will analyze that commercial banks how to established their own marketing strategy of electronic bank,on the background of information age change environment through macro micro environmental analysis. In order to guaranteeing controllable risk to sustain the business, commercial banks could improve the competitiveness of the target to coordinate development pattern.