Construction Bank Branch Of Jilin Province Electronic Banking Business Management Research

Since the late20th century, with the network technology as the core of themodern computer network technology in the use of financial institutions and thepromotion, each big bank agency service for the customer the efficiency andfunction had the very big enhancement, financial development to further improve thetrend of globalization and integration, the banking industry has entered a newhistorical stage of development, the electronic bank business development stage. Therise of electronic banking in the financial sector, which is adapt to the developmentof science and technology, information technology and Internet, promotion andapplication in the field of global e-commerce, banking innovation ability andcompetitiveness is to strengthen the need.Electronic banking business with its can reduce management costs, to straightenout the bank business process, improve the efficiency of service customers, maintaincustomer relationship and other advantages, is gradually becoming an importantsymbol of modern bank’s core competitiveness, has become a commercial Banksinnovation and development of one of the important strategic target. In the face ofincreasing competition in the market, financial institutions, adjust strategy and layout,rapid development of electronic banking, is imminent. Therefore, whether it is theinevitable trend in the financial market competition or banking itself the need ofrapid business growth, the rapid development of electronic banking business willbecome the main force of enhancing core competitiveness of Banks. Unlikeelectronic banking financial institutions in our country, the United States, Western Europe, the electronic banking business started early, high popularity, wide coverage,through electronic channels to conduct financial business has become the norm. Inour country, the electronic banking business in recent years the development byleaps and bounds, there have been some of the good development momentum.Traditional electronic bank lacks the Internet construction of ecological environment,customer development speed slow, high cost, difficult to create new business value.Five-year planning as electronic bank dismantles wall (break the closed to open),green (the financial services into the Internet application scenario), fusion (combinedwith social portal), aims to create some kind of electronic banking ecological, usingthe power of the ecological development of customer group, become a fulcrum ofleveraged business development and strategic high ground. And traditionalelectronic banking is the closed system, the login link and the single authenticationmode actually split the customer all Internet behavior, in fact caused Banks graduallyaway from the Internet as a representative of the latest development of the society.The12th five-year plan put forward in ubiquitous, crossover, wisdom is to break theclosed, make bank financial service maximum each scene into customers live, work,with the aid of all can use of resources, to bank service ability qualitativebreakthrough.But compared to the current situation of the development of electronic bankingproducts at home and abroad, domestic electronic banking business has made greatprogress, but still inevitably has some problems, including market coverage isrelatively narrow, product homogeneity phenomenon is outstanding, the insufficientcharacteristics, the overall utilization rate is not high. By provide enterprises withtheir own business, management, developing the informationization, electronicnon-financial services, allows businesses to carry the business activities to theconstruction bank to provide platform, thus forms the enterprise rely on our bank cannot be replaced. Although cross-border services beyond the bank’s own ability, but open platform the mature business model, and can make us at a very lowmanagement costs, attract rich external social resources, provide support for theenterprise management. Imagine a business owners in the construction bank deposits,at the same time, still can obtain customized software of charge to an account inCCB, even don’t have to buy to get right to the use of CCB platform of a completeset of financial management system, product packaging design in the process ofoperation can be found in CCB app store designers, raw materials procurement andsales of products in CCB e-commerce platform to find the market and the buyers, theestablishment of relationships in the construction bank can find the most suitablesocial networking services community circle. This crossover value-added service isbrought by the construction bank financial services competitiveness.Overall is still in the growth, development space is huge, it is imperative that byactively guide and reasonable planning, appropriate adjustments ideas, realize theelectronic banking business standard, orderly and lasting development. In theelectronic banking business development increasingly diversified, the key stage ofproduct matures, banking financial institutions to the customer demand as thestarting point, to scientific and technological progress as the lead, by means ofproduct innovation, in the play their own advantages to implement services on thebasis of transformation, create a benign competition environment for thedevelopment of the electronic bank, is a common face huge challenges andopportunities.