A Study On Development Countermeaaures Of Electronic Banking Business:Based On Agricultural Bank Of China N Branch

With the development of the time and technological progress,the third-party payment tools and platforms emerge at the historic moment.The traditional financial model is gradually impacted,and commercial banks are facing unprecedented challenges.As the mainstream business of commercial banks,electronic banking has gradually become an important channel to compete with Internet finance.It is particularly important to formulate a development strategy suitable for e-banking business according to the actual situation of the region,and to promote the integration of online and offline business of the whole bank through the development of e-banking business.Agricultural Bank of China is oriented to counties and serves agriculture,rural areas and farmers.It has natural layout and resource advantages in urban and rural markets.How to maintain the regional competitive advantage and seize more market share,how to use this advantage to accurately grasp customer demand,accurate design of electronic banking products,how to improve the talent reserve and training mechanism of electronic banking,and achieve the goal of development and transformation,are the problems that the county agricultural Bank needs to think about actively.This article through to the electronic banking related theory exploration research,including strategic management and the theory of customer relationship,the traditional financial sector,in view of the problems related to complement the existing research results,analyzes the external environment for the development of electronic banking,electronic banking business development present situation,and combined with N subbranch of a bank to further open up a new idea of the county sub-branch financial product design,Combined with the characteristics of electronic banking,new business strategies are formulated for commercial banks directionally and structure-oriented,and the strategies should be optimized from the aspects of business publicity,professional assessment,scene integration and strengthening team building,so as to provide certain theoretical support and practical guidance for the innovative development of electronic banking business under the new situation.