Research On The Development Problem Of Electronic Banking Business Of ZZ Bank

With electronic science and technology in the application of the bank,the electronic technology is playing more and more important role in the development of banking business,Banks have set up their own electronic banking sector for the development of electronic banking.In addition,the rapid rise of the Internet banking and mobile payments force traditional Banks to speed up the development of electronic banking business,and keep up with the times.ZZ bank is a medium-sized city commercial bank in the central China,the bank attaches great importance to the development of electronic banking business,although its business development started late,and has a big gap compared with advanced peers on product features and customer experience.At present it has seven kinds of products,such as Personal online banking,Enterprise online banking,Personal mobile banking,WeChat banking,Telephone banking,DRY electronic mall,Self-service bank,and it constantly pushes new products.The article uses quantitative approach,comparative approach,case approach,literature review approach to study the electronic banking business problem of ZZ bank,it firstly analysis the current situation of the development of electronic banking,secondly analyzes the problems and its causes existing in the development of electronic banking business according to the situation of the electronic banking business from five aspects such as marketing,risk control,products,services,and team,and then draws lessons from MOVENBANK,China Merchants Bank,Industrial and Commercial Bank,China Minsheng Bank on electronic banking business,on this basis,puts forward one-to-one five development Suggestions for the above five questions.Article thinks ZZ bank has developed rapidly in the electronic banking business since 2015,but in 2017,the developing growth speed has become significantly low,and still exists great gap compared with domestic advanced trade.Specifically,there are five aspects of problems,for example business marketing ability needs to further strengthen,risk control ability is not strong,product innovation is lacked,services need to be improved,team is not strong.The causes of the problem are unsound marketing mechanism,lack of risk governance structure and risk culture,lags in the product research and development,imperfection of channel construction and business processes,defective human resources management mechanism.To solve the above problems,needs setting up mechanism of marketing,improving risk control ability,strengthening product innovation,improving service levels,strengthening the construction of professional team.This paper hopes to help ZZ bank develop its electronic bank business,at the same time provide the reference for the similar city commercial bank changed by the urban credit cooperatives in China on bank electronic banking development through the study of ZZ bank electronic bank business development problems.