工商银行烟台市分行电子银行发展战略.pdf

Abstract Electronic banking is a kind of off—counter bank service on the platform of Internet．Electronic banking business features self—service and provides all around way financial service to customers． The emerging of electronic banking is the result of popularity of electronic apparatus in bank business as well as the development of Internet． Electronic banking service together with other electronic systems used in bank made the services of bank，including i．ts payment service and information service，more accessible by every walk of society．The bank industry hence entered into a new stage，i．e．，electronic banking stage．Electronic banking has a wide variety of advantages over traditional financial industry，to say just a few，it has up to date strategy and operation mode，efficient cost control and vast number of customers．With china’s entry into Fro，Chinese banks are more and more involved in the global competition．Electronic banking business will become the focus of competition．Hence to formulate the Electronic banking development strategy has great significance． Currently，most of Chinese commercial banks have started to provide electronic banking service．However，Chinese electronic banking business is generally on a burgeon stage in terms of the scale and development speed， with inferior service quality and 1imited variety of service products．To accelerate the development of electronic banking business in china，several barriers have to be overcome．In addition，a number of risks stand in the way of electronic banking business，including legal risk，transaction risk and technology risk． Industrial and Commercial Bank of China(ICBC)has been the pioneer in electronic banking construction in china bank industry．Integrating its advanced financial e-channel and wide spread network all over the country， ICBC has successfully built up a multi—channels service system with unique advantage．Over the years，Yantai branch of ICBC has kept a high speed in the development of electronic