| With the rapid popularization and the rapid development of information technology and Internet, to the Internet as the core information technology revolution has already come,big data, cloud computing and mobile Internet surging wave, brings is not only technical progress, also brings the change of the whole social behavior mode. In the tide of the development of the information technology in the banking sector is also subjected to constant challenges, from the customer point of view, and banking information closely related to the banking business is the function and service of electronic banking requires constant innovation. At the same time, the third party payment, foreign capital bank into the competition of Internet banking and the advanced service marketing concept with the experience rich, technologically advanced electronic means of refreshing, for financial markets of the smoke has been lit, many outlets, polyhedral wide will no longer be the advantage of large commercial banks in our country.Electronic banking as a kind of service with the bank information, it affects the development direction of the banking industry to a certain extent, and it also affects the competition pattern and management pattern of the banking industry. Electronic banking business in the aspect of the shunt counter pressure, reduce operating costs,improve customer loyalty and play a more and more important role.Agricultural Bank of China as the representative of the large state-owned commercial banks, since 2002 the introduction of online banking, electronic banking development10 years, has formed five major online financial service system, customer scale to hundreds of millions of households, trading volume reached more than 300 million transactions, accounting for nearly 70% of the total number of transactions, electronic banking business has become Agricultural Bank of an integral part of the business. But with in recent years, China's banking industry facing the requirements of financial disintermediation, business transformation, especially the third-party payment companies penetration of financial payments business, the development of the banking industry pressure unprecedented, then ABC electronic banking the how to develop? In this paper, starting from the level of bank information to study the origin and development of e-banking business of Agricultural Bank of China. At the same time,total Agricultural Bank of China Jiangsu Branch of the electronic banking business problems are analyzed, such as the number of customers more, but effective households accounted for less than high; scale development faster, but after-sales service can not keep up; electronic functions are becoming more and more abundant, but staff training did not keep up with, and so on. If these new problems can not be solved effectively,Jiangsu bank electronic banking business will not be able to get effective and sustainable development.In this paper, the research on the topic take combination of theory and practice, take the technological route of proposing the problem, analyzing the problem and solving the problem, starting from the analysis of bank in the process of informatization, electronic banking business development status, focusing on research and systematic analysis of the Agricultural Bank of China, the development of E- banking of the more prominent.At the same time, using the life cycle theory and SWOT analysis method, the development environment and orientation of Agricultural Bank of China's electronic banking business. On this basis, the specific development strategy and the implementation of the content. The purpose of this paper is through the implementation of the corresponding strategy to ABC electronic banking to promote good, fast development and puts forward some opinions and suggestions on feasible, to ensure that the "first electronic bank" position of ABC electronic banking. |
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