Study On The Constructing Business Channel Of Wisdom Agriculture Bank Relying On The Large Data Network Technology

“Channel is the king of banking business". However, in traditional, operation cost of banking business is relatively high and the efficiency value is low. Base on the rapid development of big data and internet, it is important significance to create new business channels of the wisdom bank. This can meet the requirement of the customers, and then expand the business scope. In the same time, the competitiveness of the financial products is improved. It is worth mentioning that the cost of advanced marketing channels is lower than that of counter.This thesis started with the definition and development status about wisdom bank and business channels. The wisdom bank was introduced in detailed. In the meantime, the development trend of the Banks inland and abroad was discussed. We studied the methods of build intelligent agricultural bank focusing on the channel construction and the integration for State-owned commercial Banks, especially for agricultural bank. Also, a serious innovative ideas and thoughts are put forward.The building of wisdom bank channels has a very important strategic position.First of all,it can provide personalized color service for different customers to meet the requirements of all kinds of customers. It also required Banks analyzed in-depth on customer demandant during providing financial products to the customer marketing. Therefore, it would be easier to manage and market of the financial products depending on different customer groups. We can never predict the requirements of customers, while. What we can do is meeting the demandant of customers according to the analysis and predicting on the relevant data of the clientsand adjustment the financial products as soon as we can. Whatever, this is just the maximum value of building the intelligent bank channels. Second, building the channels of intelligent bank could effectively solve the structural problems of supplement and demandant exiting in the financial market. It also sped up the financial products distribution. In the principle of marketing, Banks should focus on the development of telephone banking, online banking and mobile banking. A channel with diversification, multi-dimensional and three-dimensional system and a system with multi-angle and multi-level service system were needed to be formed.Thus, Banks can provide higher quality service, higher efficiency service to the customers. Finally,the building of wisdom bank channels can achieve maximum economic benefits due to it decrease the cost of bank operating.