The Study Of Electronic Banking Business Of Pudong Development Bank

In recent years,Internet technology has continued to develop and the financial industry has continued to rise.Therefore,the promotion of e-banking relying on the Internet has developed rapidly.Due to the security and convenience of e-banking,there are more and more demanding groups for e-banking services.The more emphasis is placed on e-banking,accelerating the transformation of traditional banks,and taking the lead in the fierce competition of e-banking in the "Red Sea".For example,China's joint-stock banks are not as well-known as large commercial banks,and their business outlets are much smaller than those of large commercial banks.There are many problems in the development of e-banking.Therefore,under such internal and external problems,how can Chinese banks cope with opportunities and challenges?This paper mainly takes Shanghai Pudong Development Bank as the research object,deeply studies the development of e-banking business,and proposes the development direction of Shanghai Pudong Development Bank.Whether Shanghai Pudong Development Bank can maintain competitiveness in such a fierce competitive environment,the development of e-banking is particularly important.How to improve the competitiveness of Shanghai Pudong Development Bank?In the course of research,we found that Shanghai Pudong Development Bank's e-banking business is facing internal and external problems.The external problem is that there are no perfect laws and regulations for e-banking business.China does not have a perfect social credit system at present,and there are not only commercial banks but also major commercial banks.Strong competitors such as foreign banks and third-party payment companies,and there is no differentiation in marketing methods,lack of outstanding talents in e-banking,and imperfect security mechanisms of banks themselves.How should we move forward in front of these issues?We should take advantage of the advantages of love learning that Chinese people already have,and learn from the good banking and corporate experience we have done.The third-party payment companies in China continue to develop technology and use advanced technology to gradually change our payment methods and life.Habits,they can respond more flexibly to the market and seize the bank's e-banking business at a faster rate.The foreign banks have advanced technology and scientific management methods,strong financial strength,and business outlets all over the world.They have always been ahead of us in the electronic banking business,and we are excellent with us.Therefore,the e-banking business of Chinese banks is facing a crisis.This paper believes that Shanghai Pudong Development Bank and even other commercial banks in China should establish a customer-oriented marketing concept in order to cope with internal and external problems of e-banking business,and communicate with customers in depth to understand the most favorite financial services that each customer needs most.There by providing products and services that satisfy customers.Pay attention to the development of e-banking business,put it in an important position of the bank's development strategy,and continue to develop e-banking business continuously under the conditions of maintaining the advantages of this industry.In fact,Shanghai Pudong Development Bank only needs one step at a time,and perseveres,naturally it will accumulate more and more,and finally it can achieve amazing results.Shanghai Pudong Development Bank has its own corporate culture.It can develop its e-banking business in line with its own corporate culture,create an e-banking business that belongs to Shanghai Pudong Development Bank,and strive to innovate e-banking products and services to achieve no substitution.And Shanghai Pudong Development Bank should learn from the advanced management concepts of foreign banks and the flexible changes of third-party payment in the face of the market,and then combine its own environmental characteristics to strengthen the development of technical talents,and finally through the continuous testing of the market,and then constantly improve to achieve Satisfactory effect.The Shanghai Pudong Development Bank's e-banking business is among the top in the joint-stock banks.It should optimize the e-banking business and appropriately learn the best China Merchants Bank in the current e-banking business of joint-stock banks.In the"Red Sea" of e-banking business,strive for A place of your own.This paper analyzes the current situation of China's e-banking business and Shanghai Pudong Development Bank's e-banking business with a scientific attitude,and makes a detailed analysis of the e-banking business problems that Shanghai Pudong Development Bank is currently facing and proposes corresponding improvement methods.I hope this article can even be for Shanghai Pudong Development Bank and The national e-banking business has a little practical guiding significance.