Commercial Banking Electronic Banking Strategy Developmen

As the first country to set up internet banking in the world, the United States in 1995 after the establishment of the world’s first network security bank, development so far, the United States more than 80% of the banking business is completed by electronic banking. China’s electronic banking business started late, but China’s economic aggregate, large population base, especially with the continuous development and improvement of the market economy, the rapid development of China’s financial industry. Commercial banks have entered the era of electronic, electronic banking business is showing a trend of rapid growth year after year. Electronic banking business replacement rate has more than 70%, therefore, the electronic banking business has become the main battlefield of China’s commercial banking business competition. In recent years, Harbin A branch of bank electronic banking business has developed rapidly, the transformation and development and achieved fruitful results, but in the face of Alipay, We Chat and other domestic bank competition and three party payment enterprises, as local banks in many aspects, there is still insufficient, the competitive advantage is not obvious.In this paper, the use of SWOT analysis and other methods, the influence factor of Harbin Bank a branch of electronic banking business development of in-depth analysis to through the analysis of the electronic banking business development status, analysis of the overall business volume, balance, talent team construction and strategic level deficiencies and problems, and to solve the problem, put forward to promote sound and rapid development of the electronic banking business, and continuously improve customer satisfaction and customer loyalty development strategy recommendations. For the Bank of Harbin, branch, Bank of Harbin A branch of electronic banking business development strategy, marketing strategy and service strategy has an important guiding significance.The research analysis the following conclusions:(1) the advantages of the bank to the development of electronic banking business, such as customer base is good, operation simple, the disadvantages in existing development started late, centralized management mode not adapt to the development needs, the development of mobile banking lagging competitiveness is not strong, lack core competitiveness and other issues. In addition, there is also support for macroeconomic policies and regulations, the rapid expansion of the scale of the Internet and electronic commerce rapid expansion of external development opportunities, but also have to face operation safety environment needs improvement, lack of professional talents, high product homogeneity, increasingly fierce competition challenges. And for the SO strategy, WO strategy, ST strategy, WT strategy. From construction to speed up business platform, to create a new model of Internet financial services; actively seize the market of mobile phone users, mobile phone banking development; seize financial transactions active customers, enhance the penetration and dynamic user rate; strengthen the construction of talent team, promote the improvement of the assessment system; strengthen the risk control measures, improve active defense capacity in six aspects of proposed countermeasures and suggestions of promoting the Harbin electronic banking business development...