Research On E-banking Businessdevelopment Problems Of Jilin Rural Commercial Bank

Electronic banking hasoriginated in the United States.Security First Network Bank of the United States began to handle business through the Internet in October 1995,which made the era of electronic banking represented by online banking.China's ebanking emerged in 1997,when China Merchants Bank took the lead in entering the Internet business model of banking business.Today,e-banking has become a key business area of banking industry,which covers online banking,short message banking,online shopping mall,mobile phone banking,telephone banking,Wechat banking and so on.With the rapid development of internet information technology and mobile payment,new forms of e-banking will continue.After years of development,it supported by internet technology and modern communication technology.The number of users and transaction volume of e-banking are increasing year by year through the comprehensive use of various security encryption technologies,information exchange and transmission technologies.Especially in today's era when smart phones are widely used and mobile Internet applications are unprecedented prosperous,the users and business volume of e-banking are also showing a blowout trend.Jiutai Rural Commercial Bank,as one of the important commercial banks in Jilin Province,has continuously innovated ideas and technologies,improved management processes and systems in the development and business expansion of electronic banking products.After years of development,it has formed a complete electronic banking business module,including mobile banking,Wechat banking and telephone banking.Bank,SMS bank,internet bank,United Bank fast payment,self service bank automatic terminal,etc.With the development of economy and society,the policy,social,economic and technological environment faced by Jiutai Rural Commercial Bank is also changing.Other commercial banks are constantly innovate the products,functions,service scenarios and marketing modes of electronic banking,and constantly introducing new formats of electronic banking in order to obtain more customer resources.We will continue to improve the volume and economic benefits of electronic banking business.Under such a background,Jiutai Rural Commercial Bank must recognize its internal and external environment for development,have a clear understanding of the existing e-banking business and its development,timely summarize the problems and difficulties faced in development,be good at grasping the new trend of future e-banking development,and constantly improve e-banking business.Based on this,this paper will take Jiutai Rural Commercial Bank as an example,and on the basis of summarizing and analyzing the current situation of the development of electronic banking at home and abroad,analyze the current situation of its electronic banking business,and use the method of fuzzy comprehensive evaluation based on analytic hierarchy process to evaluate the development ability of the bank's electronic banking business,so as to find out what remains to be done.The good points,and then put forward specific countermeasures,hoping that this study can provide relevant countermeasures and suggestions for the continuous development and innovation of electronic banking business of Jiutai Rural Commercial Bank.