The Research On Electronic Banking Development Strategy Of China Construction Bank Of Heilongjiang

With the development and popularization of network technology, electronicbanking business as a new banking business philosophy and service mode, has beenwidely accepted by people. Electronic banking business by virtue of its ability towiden the field of financial service, raise the quality of finance service, reduceoperating costs, increase the sources of bank revenue and other advantages, hasbecome a weapon of the commercial banks to increase profit and develop customers.After recent years of rapid development, the domestic electronic banking businesshas begun to take shape, but compared with foreign advanced electronic bankingbusiness level, the gap is still big. Whether it is for management level, productfeatures and risk prevention needs to be further improved, how to accelerate thedevelopment of domestic electronic banking business, improve the corecompetitiveness, has become a required course for the development of domesticcommercial bank.The author of the article through read a lot of literature of electronic banking atdomestic and abroad, On the basis of electronic banking business successfulexperience in the development of domestic and foreign commercial banks,combined with the current situation of the development of Heilongjiang branch ofChina Construction Bank in electronic banking business, pointed out the problemmainly in electronic banking customers quality, product coverage, safety, theproduct innovation capability. Using the PEST, five forces model, SWOT analysis,put forward a series of Heilongjiang branch of China Construction Bank provincedevelopment strategy of electronic banking business, including establish a scientificevaluation system; strengthen the construction of safety and risk management;accelerate the development of mobile phone banking; accelerate the pace ofdevelopment of electronic commerce; strengthen innovation of electronic bankingproducts function.Heilongjiang branch of China Construction Bank electronic bankingdevelopment present situation problems and the future direction of developmenthave relatively typical representative meaning. We hope that this paper puts forward the development strategy and domestic business bank electronic businessdevelopment is of some reference value and promote significance.