Research On The Development Strategy Of Bank Bank 's Electronic Banking Business

As Internet technology continues to mature, the network economy has entered a period of rapid development, at the same time the financial mixed operation has become increasingly obvious, under the background the profit level of the traditional banking business is squeezed, coupled with increasingly fierce competition, the banking business innovation is imperative, the birth of electronic bank just provides an opportunity for bank transformation. As the transaction service channels and new channels, not only profoundly changed people’s living habits, has become indispensable in the development of the commercial banks in the competition means. As a new form of realization of bank business, the advantages of electronic banking in the aspect of non Business Hours limit, low transaction cost, low operation cost, customer resources unlimited, convenient, friendly user experience. This paper first from the Commercial Bank of electronic banking business types, mainly the introduction of the electronic banking business, at the same time, the development process of the Commercial Bank of our country electronic banking business reviews, depicts the development track of an electronic banking business. Next introduces the Baoshang bank development, narrative Baoshang bank present condition of traditional business and electronic banking business, put forward the Baoshang bank in electronic banking business development in the confusion. Through the PEST analysis method, carries on the detailed analysis of the Contractor’s Bank at the political, economic, social, technological environment, and expounds the overall competition in the banking industry, to explore the electronic banking business development situation of Baoshang bank with size of competitors, led to the development of electronic banking business banks to package the opportunities and threats. Human, customers, management, marketing, financial and other resources and conditions following through analysis of Baoshang bank, advantages and disadvantages of Baoshang bank. By using SWOT analysis method of strategic, closely around the overall strategy to formulate the development strategy of electronic bank Baoshang bank, by exploring the development of direct selling bank, financial e-commerce, channel integration and other key areas, the contractor bank in implementation and future strategic transformation can change the management mode of construction of a head start, electronic banking business development mode contractor characteristics.