China Construction Bank Internet Banking Business Development Strategy Research

With the rapid development of internet technology in recent year, internet finance, which represented by third party payment, P2 P online lending and electronic banking, suddenly appeared on the history. Internet finance which advancing rapidly, is changing people’s consumption habits and needs of financial services, which impacting on commercial bank’s traditional business model. It will also create a lot of new financial service demand which will be a huge market space in the future. How should commercial banks do to comply with the new situation. It is worth researching.Construction Bank as a representative of the Commercial Bank of our country, has successfully launched the mobile banking, online banking, micro channel bank kind financial business e-commerce platform for financial services such as Internet banking, and achieved certain results, but under the new situation in the construction of Internet banking financial business development still faces many challenges. Based on the present situation and trend of the development of C hina’s Internet banking, the SWTO model analysis of the Construction Bank Development of Internet banking advantages, disadvantages, opportunities and challenges, that the Construction Bank, the development of Internet banking services are lack of Internet financial professionals, business process cumbersome, customer satisfaction is not high disadvantage; and facing the threat of Internet banking business of credit business and intermediary business. But at the same time, the Construction Bank and with customer resource rich, high customer loyalty, brand and good reputation, risk control ability, the advantage of human resource management and training experience; and now stage of Internet financial market is still in a stage of rapid development, huge market space to the Construction Bank, the development of Internet banking services brought great opportunities. In view of the above analysis, this paper suggests that the Construction Bank take countermeasures: pay attention to the user experience, improve the service performance of the Construction Bank online and offline channels; develop Internet financial professional talent team and improve the incentive mechanism; Build Construction Bank Internet banking service brand; build large data analysis platform; construction based on the credit rating of the wind control system; to avoid the risk of Internet banking products; to seek cooperation with Internet technology companies.Countermeasures of the study of Construction Bank Development of Internet banking services for Internet Banking under the background of commercial banks research has certain significance, for traditional commercial banks to participate in the activities of Internet banking, the development of Internet banking services to provide theoretical and practical basis for reference.