Research On The Development Of China Everbright Bank's E-bank Innovation Business

Since twenty-first Century,the electronic commerce and the Internet have achieved step type development,in this situation,the network finance came into being,as the core of network finance,electronic banking will become the leading power of the development and reform of the financial sector.In recent years,the electronic banking business has been strong developed,and the rate of transaction substitution has been increased year by year.The strength of electronic banking determines the competitiveness and development of commercial banks.Everbright Bank has long been aware of the unlimited prospects of electronic banking,actively respond to it and constantly introduces innovative products and services,the electronic banking have a rapid development.However,due to the size of its banks,also with its lack of marketing capabilities,it makes its electronic banking innovation strength is limited.Therefore,China Everbright Bank needs to fully understand the current situation and problems of its own innovation identify and continue to develop innovative channels of electronic banking,and continue to expand market share in the fierce competition.China's "13th Five-Year" plan clearly put forward the reform direction of the bank,requiring commercial banks to deepen the financial innovation on the basis of existing business.The innovation is in there ways,respectively business,products and technology.The innovation needs to seek the reform the financial sector system?provides support to the real economy and establish the new model of Bank operation.Based on the environment and the background,this paper carries out in-depth literature study and combines with the China Everbright Bank actual case to analysis,in order to summarize the advantages of innovation mode of commercial banks and puts forward related suggestions.This article is divided into five parts:The first part is the introduction of the article.First of all,this paper puts forward the research background,research purpose and research significance,and then introduces the research content and research methods,after that is the literature review of this paper,the domestic and foreign electronic banking and financial innovation,the literature review,mainly from the three aspects of the definition and significance of the development of electronic banking,electronic banking business development status quo and problems of electronic banking business innovation and development direction were reviewed,and finally introduces the innovation and shortcomings of this article.The second part defines the concept of electronic banking and financial innovation,introduces the classification,electronic banking and traditional banking electronic banking comparative advantages and innovative features and motivation,then focuses on the status quo of the electronic banking business innovation in domestic,and the existence of the innovation of China's electronic banking business problems.The third part is a detailed analysis of China Everbright Bank electronic banking business development background,combined with the innovative achievements of time since China Everbright Bank electronic banking development is discussed,on this basis,focusing on its accumulation in China Everbright Bank electronic banking business advantages and existing problems.The fourth part is the case analysis part,according to the China Everbright Bank launched a new payment mode of gas station are introduced for the whole process of the electronic banking business innovation,and compared with the traditional means of payment of the existence of the advantages of the electronic banking business of China Everbright Bank launched the "cloud payment platform combines the advantages of big data to achieve a real the value added,to strengthen their own competitive advantage.The fifth part of the theory and case analysis of the former suggestions on China Everbright Bank electronic banking business innovation put forward that it should continue to strengthen their ability to service and innovation constantly,strengthen risk management,and use of existing resources to make up their own marketing is not enough.