Research On The Development Strategy Of E-banking Of Commercial Banks From The Perspective Of Internet Finance

Since entering the 21st century,the Internet continues to grow rapidly,the rapid development of consumer demand in the financial markets gradually tend to be diversified development,the electronic banking business of commercial bank gradually become an indispensable part in the bank management content.With the continued development of electronic banking business,the commercial bank daily management to effectively reduce operating costs,counter pressure eased,service channels to achieve development,effectively improve the quality of service provided by the customer oriented,this for the development of commercial Banks business model transformation is extremely far-reaching significance.The emergence of electronic banking business has revolutionized modern commercial Banks,becoming an important business for maintaining new and old customers,exploring potential customers and realizing innovation of products and services.With the rapid development of information technology and economic globalization,the electronic banking business has become the focus of fierce competition in the financial industry and will lead the future direction of the bank.In the face of the Internet financial boom,with the threat posed by traditional financial industry how to improve customer experience,efforts to expand the customer base,innovation service mode,actively seize market share has become the current development of electronic banking is an urgent task.This paper mainly elaborates the meaning of the continuous and rapid development of the electronic banking business from the background of the rise of Internet finance,and analyzes the challenges of the electronic banking business in the current environment.As a small cities of J Bank Branches,Rizhao Branch of the development of electronic banking can be seen as J Banks and domestic commercial Banks a miniature of the electronic banking business development.Based on J Bank Rizhao Branch as an example,this paper used the SWOT analysis method to comprehensive analysis of the current development of electronic banking,electronic banking business oriented the present development existence question,in view of the problems existed in J Banking business development strategy is put forward.Hope this article puts forward the development of policies and measures of J Bank play a role in promoting the development of electronic banking,even benefits for our country commercial bank in the electronic banking business development on the solution of the problems related to provide effective reference.