Research On Mobile Banking Development Strategy Of Jilin Construction Bank

With the development of economy and the improvement of science and technology,human society has gradually entered the Internet era.Under the impetus of large data,cloud computing and other financial technologies,Internet finance came into being.The key point of this new financial industry is to improve the customer experience,shorten the customer service radius,and maintain and develop the customer groups with lower cost,and achieve business development through the accumulation of quantity.In recent years,with the rapid development and expansion of Internet Finance and the increasingly fierce competition between the same industry,the Jilin branch of the Construction Bank is facing many challenges in the current market environment.Through the investigation of Jilin branch,it is found that the Jilin branch of the Construction Bank has a large group of individual customers,but the high assets account for fewer customers,which indicates that the Jilin branch of the Construction Bank has a obvious phenomenon of customer loss.Through comparison of relevant data,it is further explained that Jilin branch is not only a customer drain,but also a serious customer departure.The increase in the volume of mobile bank accounts further confirms that customers are more inclined to do business in self-help channels such as mobile banks,and the dependence on physical outlets is weakening.Faced with many problems,the Jilin branch of CCB should study new business development strategies to cope with the development opportunities and challenges brought by environmental changes.By analyzing the system and thinking of the development of Internet financial development,this paper tries to summarize the feasibility and methods of developing the mobile banking business of Jilin branch of the Construction Bank to solve the current customer loss of the Jilin branch of the Construction Bank and to make up for the service of the network and the customer manager of the Jilin branch of the Construction Bank,by analyzing the system and the thinking of the Internet financial development.Lack of motivation and enthusiasm and enthusiasm.First of all,the literature research method is used to study the current Internet finance.Through the research results at home and abroad,the system and service mode of Internet financial development are summed up and mastered,and the innovative thinking of Internet finance is combed.Secondly,by using the empirical analysis method,the current problems of the Jilin branch of the Construction Bank are summarized and combed.Through the data comparison of the business development in recent years,the reasons of the current problems are carefully analyzed,thus the conclusion that the Jilin branch of the Construction Bank should comply with the external environment changes and the customers to the bank should be concluded.We need to carefully study the Internet financial system and service mode,and actively develop mobile banking business.Third use PEST analysis and Potter five force model to analyze the external environment of Jilin branch of Construction Bank,such as policy orientation and social acceptance,from the macro external angle,to see whether it is beneficial to the development of the mobile banking business of the Jilin branch of the Construction Bank.Fourth analysis of the internal resources of the Jilin branch of the Construction Bank,by combing the existing products that can develop mobile banking business,build a product portfolio for mobile bank development,and find its own advantages and disadvantages,long and avoid short.Fifth use the SWOT analysis method to produce the executable strategic choice,and analyze each strategic combination,combine the Jilin branch of the Construction Bank to choose the best strategy and make the implementation plan and the strategic guarantee measure.In this paper,we believe that Internet finance is customer focused,and efficient and efficient customer service experience is worth learning and learning from commercial banks.The development of mobile banking business in Jilin branch of the Construction Bank fully conforms to the differences and individualized needs of contemporary customers for financial services.It can improve customer experience and improve customer satisfaction and loyalty.Therefore,the Jilin branch of the Construction Bank should seriously study the Internet financial system and service mode,take the Innovative Construction Bank's mobile financial products as a breakthrough,build the mobile banking application scene,build the mobile financial ecosystem,improve the customer's coverage and utilization of the Construction Bank's products,thus promote the construction of the Bank of Jilin.The comprehensive competitive ability of the city branch.This paper explores the development of mobile banking in Jilin branch of Construction Bank by internet financial thinking,in order to provide some reference and reference for the innovation and development of traditional banking business.onstruction Bank.The comprehensive competitiveness of the Lin City branch.This paper explores the development of mobile banking in Jilin branch of Construction Bank by internet financial thinking,in order to provide some reference and reference for the innovation and development of traditional banking business.