Research On The Electronic Business Development Mode And Benefit Analysis Based On The Bank Of Nanjing

With the rapid development of commerce electronic and network, people pay more and more attention to the electronic bank. As an important financial service channel, the electronic bank is becoming popular. Under the circumstances, The Bank of Nanjing as a city commercial banks are facing difficulty. So The Bank of Nanjing should make more progress in the aspect of the electronic bank.Firstly, the paper reviews the domestic and foreign banks on the development of the electronic bank. On this basis, the paper focuses on the problems and development trend of electronic bank to point out the importance of the electronic bank. However, most of these documents are about the state-owned banks or large joint-stock commercial banks, there are nearly about the city commercial banks. So, the paper analyzes and summarizes the development status, mode and experience of the foreign electronic bank.Secondly, this paper analyzes the development mode of Nanjing Bank of electronic banking, including the Bank of Nanjing as the development status of electronic bank online banking, mobile phone banking, telephone banking, SMS banking, self-service banking. This paper points out the advantages and disadvantages in the development process of the Bank of Nanjing electronic banking. Then this paper analysis the benefits of Nanjing Bank of electronic banking, including the basic business and business innovation.In a conclusion, its overall business development momentum is good in recent years and trading volume and transaction amount developes rapidly.In the model of development, the Bank of Nanjing electronic business starts later. But the bank of Nanjing online banking has better functions, perfect service, higher user satisfaction. Furthermore, this paper analyzes the market share ratio and the electronic business occupies a high degree in all of its business. Finally, this paper systematically summaries all the contents of this paper, draws the conclusion and puts forward the related policy suggestion.