Research On The Development Of QS Bank's E-Banking

In recent years,with the promotion and popularization of the domestic Internet industry,especially the wide application of mobile Internet technology,the development of electronic banking has been greatly promoted.The number of customers in electronic banking has shown a leap-forward growth trend,and the popularity of electronic banking in China has been increasing increasingly.Vigorously developing electronic banking has become the main way for commercial banks to achieve business innovation.The strong level of information technology development and product promotion have laid a good foundation for its rapid development.In addition,with the rapid development of domestic e-commerce industry represented by Alibaba,Tencent,Jingdong and other enterprises,consumers' pursuit of convenient services for financial products has been increasing.This has driven the rapid development and maturity of electronic banking in commercial banks.QS Bank,as a leading local city commercial bank,has been following the development trend of its electronic banking industry since 2009,making rapid development,and has become one of the core business of the bank.At present,the electronic banking business carried out by QS Bank mainly includes personal online banking,enterprise online banking,mobile phone banking,We Chat banking,direct distribution banking,telephone banking,credit mall,comprehensive payment platform,fund deposit,Internet credit and other business products.It touches many industries such as medical,education,community and so on.It has more than 600,000 electronic banking customers with an annual transaction volume.More than 8 million pens and more than 300 billion yuan have been added.However,QS banks are experiencing serious homogeneity and low electronic substitution rate with other commercial banks.Under the background of "science and technology finance" such as new technology,new environment and new pressure,how to use Internet thinking,with the help of the application of financial science and technology products such as artificial intelligence,big data,block chain,biometrics,reduce the cost and efficiency of funds and operations,improve risk returns through the development of electronic banking,and provide customers with better and convenient online services,finally to achieve a breakthrough in business structure transformation has become an important topic for QS Bank to develop steadily in the future.By analyzing the necessity of developing electronic banking and the development environment of electronic banking,this paper clarifies the development status of electronic banking in QS Bank,and puts forward suggestions for the development status and existing problems: on the one hand,to bring into play the business advantages of electronic banking such as "low cost and high efficiency" to reduce operating costs and improve customer experience;The application of emerging technology products,such as artificial intelligence,big data,block chains,biometrics,etc.,should be used to improve the risk control capability of the business and thereby the risk return of the bank.At the same time,by referring to the development experience of other banks and Internet financial institutions,this paper puts forward some suggestions on defining the development orientation and long-term planning,attaching importance to the application of new technologies,strengthening business risk management,increasing the introduction and training of talents,doing a good job in product packaging and marketing,and so on.These suggestions will provide the planning for the development direction of electronic banking business of QS Bank and the reality of business structure transformation.Now lays the theoretical basis for the stable development of electronic banking business in QS Bank.