Electronic Banking Business Development Of Commercial Bank Innovation And Research

Along with the popularization and deepening of the banking needs andelectronicinformation technology in the financial field, the worsening of theinternational scope of competition in the financial sector, commercial bankstraditional business mode and servicemode facing greater challenges, and in twentiethCentury since the90’s, the weakness of the real economy, electronic commerce andInternet big step rise to a great extent changewith the world economy mode ofoperation and consumer groups, thought and behavior, sothe current global situation,the traditional banking faces management mode and service mode reform new severetest, the Internet is huge and the effects of.This paper first expounds the development status and marketrelated to electronic bank,electronic banking and Finance on the Internet are brieflyintroduced, and the development of domestic electronic banking and e-commercebusiness platform, the advantages and disadvantages and problems encountered, themeasures have been analyzed andcompared, including Taobao meticulous severallarge banks, state-owned Jingdong, etc..Based on domestic and foreign examplesabove as the basis, to the ICBC financial epurchased the business platform for thespecific research and exploration as an example,which were treated with fiveforces model, SWOT method and PEST method for the model analysis.Finally come to the conclusion that the development of electronic banking is stillthe market trend and the inevitable trend, how to improve the competitivenessof electronic banking, is our country each commercial bank must consider the problem. Commercial banks should not only learn the electronic bank foreigncutting-edge Internet technology, to enhance the efficiency and performance ofelectronic banking, banks to reduce operating costs, at the same time, also want toquickly learn the advanced management experience, to create "the core competenceof the electronic banking" China. In the new opportunities and new challenges, wemust look for the new breakthrough, electronic banking can rapid ascension is the keywhether the bank where the sustainable survival and development.Internetglobalization, developed countries electronic bank has entered deep transitionperiod of adjustment, the rapid growth of emerging economies, the global electroniccommerce technology at the same time, the international environment of electronicbanking crises, full of a lot of uncertainty. Electronic banking is the commercialbank recognized the most competitive mode of operation, in the implementationof electronic banks, some banks dohave made great success in reducing the cost andexpanding the number of users,improve turnover. Among the many factors affectingthe survival and development of banks, electronic banking has become a commercialbank of China successfully participate in the key to the future of global competition,the banking and financial industry needs to carry on the business model change, thedevelopment of electronic banking is an inevitable choice.