Research On China Construction Bank Smarter Banking Development Strategy

August 2009 in IBM's "Smarter Planet Win in China" program book, that "China needs to develop smarter banking" has been proposed.As a new generation of information technology continuous development in China, the technology of Internet, Internet of Things, cloud computing, big data make building smarter planet in china be possible.Considering the necessity, today, China's traditional commercial banks are facing serious challenges from the Internet finance.2015, in China, P2P net loan turnover exceeded one trillion, reached 1.180 trillion; As the government gradually open its banking licenses to private enterprises, more and more market-economy-spirit-orientation companies are slowly rising in banking industry; While traditional commercial banks also face China's economic structural adjustment downward pressure on the economy in recent years, that commercial banks NPL ratio increased to risk the sound operation of commercial banks. In order to maintain sustainable development, Chinese traditional commercial banks conduct smarter banking reform is imminent.Firstly, the article interpret and combed the concept of the smarter banking, and discusses the characteristics of smarter banking and the innovation of the channel construction and management philosophy. Then the article study the smarter banking development and future trend of the China Construction Bank. Paper analysis the characteristic of online channel and offline channel of China Construction Bank smarter banking, and the synergistic effect of the combination of online and offline channels. With SWTO model to analyze the problems and the advantages and the opportunities and challenges faced by China Construction Bank when it developing smarter banking.In the end, the conclusion is:the smarter banking reform make traditional commercial banks become more thorough perception, more comprehensively interactive, a more in-depth intelligent bank, which makes it better access to the "Internet+" interface, while but also bring its advantages in offline branches layout in full play. It makes the traditional commercial banking representative-China Construction Bank coruscate new vigor and vitality.