China’s City Commercial Banks Internet Banking Services to Expand Countermeasures
|Keywords||Internet banking Business Development Countermeasures|
In the global financial integration, informatization under the background of the financial industry competition is intense with each passing day electronic banking business has become the focus of various commercial bank development. The on-line bank development maturity, safety, convenience has become the bank market occupies the important magic weapon. Although the Internet banking development in China is not a very long time, but after several years of development, China’s Internet bank has begun to take shape, basically formed by state-owned banks, joint-stock banks and foreign banks as the main body of competition.From the theoretical basis of the development of Internet banking.this paper.combined with the developments status of the city commercial bank online banking,network security.customer satisfaction and customer loyalty,and online banking fees,four aspects of online banking operational risk analysis of development.xombined with the rapid development of the current e-commerce situation.the development of city commercial banks online banking countermeasures.From the arrangement of the chapters,divided into five parts:The first is the introduction. Introduced the paper studies the background, the meaning and purpose, and network online banking theory review.The Second is the definition of commercial banks online banking. Starting from the analysis of the concept of online banking and operational characteristics of the status of the development of city commercial banks, online banking, and on this basis, the problems of online bankingAnalysis of Factors Influencing the third city commercial banks online banking. Network security, customer satisfaction and customer loyalty, and online banking fees and charges, the four aspects of online banking operational risk analysis of factors affecting the development of China’s commercial banks online bankingChapter IV of the article,comparative analysis of online banking for foreign business development and Experience.The article describes the development of foreign online banking.and business development summarizes the development of foreign online banking experience.The fifth chapter of the article city commercial banks online banking to develop countermeasures,On the basis of the article in the comprehensive analysis of the development of Internet banking factors,combined with the rapid developmeng of e-commerce situation,the development of city commercial banks online banking countermeasures,incluking the strengthening of network security,Internet banking customer lovalty,improve the prifutability of the online bank,to avoid the four aspects of operational risk.The paper concludes that:the development of Internet banking is one of the important option to improve the banks core competitiveness.China’scity commercial banks shoule enhance the awareness of risk prevenrion and control,strengthen the network security of onlin banking.truly relfect a customer-oriented budiness on the budinessphilosophy improve customer satisfaction and loyalty of online banking,vigorously develop the onlin parmentand to explire new profie model,to achieve the onlin banking.truly reflect a customer-oriented business on the businessphilosophy.improve customer satisfaction and loyalty of online banking,vigorously develop the online payment.and to explore new profit model.to zchieve the online banking service channels to the profit center.while increasing awareness of risk control,to avoid the emerging business operationrisk.The innovation of this paper is that,combned with the development status of China’s city commercial banks,online banking fees ank charges by starting from the concept and characteristics of the onlin banking.online bankin and operational risk the four factors were analyzed in the current fierce competition.only to improve customer satiefaction and loyalty.expand the affect of the customers are word of mouth to promote the development of city commercial banks in internet banking.and remain unbeaten in the competition.Another in this article involve online banking profitability in the initial construction and periodic maintenance.commercial banks in order to attract customers.set up a very favorable business charges.But the intangible benefits of onlin banking revenre but often neglected.onlinebanking fees is the main research.The inadequacies of this article is that short time, data acquisition is more difficult, the lack of data to support the empirical analysis inadequate.In this paper. I hope will further promote China’s city commercial banks online banking business development, thus contributing to the online banking market competitiveness.