A Study On Developmen Countermeasures For The Electronic Banking Of Agricultural Bank Of China Heilongjiang Branch

In21st century, development was with the internet as the center. Since2010,electronic banking(e-banking) has become the center of internet financial,e-banking improved greatly from the aspects of the number of customers, thenumber of transactions, and the channel flow rate, it promoted the development offinace and showed great potential to substitute the traditional bank loutlets.Although major commercial banks got much more profits and opportunities fromthe development of e-banking, they showed the same rough mode. Commercialbanks would face more and more compititions and challenges from the third-partypayment and such platforms. The contradiction between the opening of the internetand the confidentiality of banking is also a problem. How to promote the e-bankinghealthily? How to coordinate the relationship between the security and efficiency ofe-banking? These questions should be solved in the processes of carrying out the“customer-centric”, practicing scientific concept of development, and changingthe operation mode of Agriculture bank of China(Agriculture bank of China,ABChina). Development of e-banking in ABChina Heilongjiang branch wasrestricted as the result of the natural growth model and be as the supplement fortranditional banking.This paper studies on the e-banking of ABChina Heilongjiang branch. Basedon the development of the e-banking of ABChina Heilongjiang branch, this paperanalysed factors affecting business development, so as to draft suggestions for thedevelopment. Firstly, this paper analyzed the types, the size, and the status of thee-banking of ABChina Heilongjiang branch. Secondly, this paper showed someproblems in the development of e-banking. Thirdly, this paper analyzed theinfluence factors to e-banking of Heilongjiang branch from macro, industries andrelated industries. Finally, according to these analysis, the paper put forward sevensuggestions including," Improve business emphasis "," Implement a unifiedmarketing campaign "," Accelerate product innovation capabilities ",etc. We hopethis study would provide ways and means to solve business problems in thedevelopment of the e-banking of ABChina Heilongjiang branch. We also hope thisstudy would provide a reference, reference and help for the e-banking of other largecommercial bank branches.