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The electronic bank under the informationization tide

2019-09-30 来源: 51Due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- The electronic bank under the informationization tide,供大家参考学习,这篇论文讨论了信息化浪潮下的电子银行。随着电子银行业务不断发展,大部分银行所开展的电子银行业务已经进入飞速发展阶段,但距离最终的理想模式还有一段距离。理想化电子银行的基本特征是各种电子渠道能够有效互联,客户在线上和线下体验效果一致,客户可以在线上进行预约,直接到线下进行体验,方便客户办理复杂业务,提升业务办理效率,打造更全面的客户体验。所以新时代电子银行的发展应该加强线上与线下模式合作,帮助客户创造更多的经济效益。

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Electronic banking is the product of continuous economic development and social progress, which has brought great changes to the banking industry. In today's economic globalization, only by constantly improving the efficiency and quality of banking services can we better provide customers with diversified services and promote the rapid development of China's financial industry.

E-banking has not only inherited the traditional banking business, but also carried forward the advantages of e-commerce, such as the function of ticketing in B2C mode, securities purchase: network shopping function in B2B mode and so on. Customers can also check the account balance and transaction information of subsidiaries through the electronic bank, and sign multilateral agreements, so as to gradually transform the traditional paper-based management into electronic management. The advantage of e-bank is not only to provide more requirements for customers but also to reduce operating costs. The capital invested by e-bank in the stage of establishment and maintenance is extremely low, and the maintenance cost in the later stage is basically no, and it does not need to occupy the actual site, which greatly reduces the operating costs of the whole system. With the rapid development of social informationization, e-bank also needs to adapt itself to the ensuing information wave and constantly develop in innovation.

Under the background of the new era, the advantages of traditional Banks no longer exist. Banks should take advantage of the advantages of the Internet era to continuously improve their service quality, change traditional ideas, gradually shift the focus of work to customers, and deeply explore the internal needs of customers. In the era of data, to better meet the needs of the customer diversification, individuation, "big data" must be grasped brings us convenience and opportunities, further study of the content behind the big data, understand the user consumption habit and life habit, recommend more suitable products to users, allows users to deeply feel the bank customer manager is in consideration for oneself, rather than thinking about their own interests. At present, many account managers do not grasp this opportunity, and have little interaction with users online. At the same time, they do not recommend more appropriate financial products to users according to their buying habits, which leads to the mere formality of online services. All major Banks in China have set up super online banking services, but only some Banks have opened the inter-bank transfer function of super online banking services. The purpose of this method is to better attract customers and build a more convenient fund flow system for customers, so that customers can operate more conveniently.

With the continuous development of e-banking business, it has mainly gone through the following processes: e-platform establishment stage, initial service stage, rapid development stage and ideal e-banking stage. Combined with the development of China's banking industry, the e-banking business carried out by most Banks is still in the stage of rapid development, which is still far from the ultimate ideal model. The basic feature of idealized e-banking is that various electronic channels can be effectively interconnected, and the online and offline experience of customers is consistent. Customers can make an appointment online and directly experience offline, which facilitates customers to handle complex business, improves the efficiency of business handling, and creates a more comprehensive customer experience. The development of new era e-bank should strengthen the cooperation between online and offline models to help customers create more economic benefits. For example, commercial Banks should build more online marketing activities, and on this basis to create more offline marketing business, let the bank lobby look brand-new, let the customer to "return to the lobby to experience the warmth of home in general:" customer manager also take advantage of opportunities at the same time, the innovation of existing marketing model and move more customers to participate in the activities, in driving the development of banking business, improving customer.

China's current e-commerce third-party transactions have exceeded 5 trillion yuan, accounting for 60 percent of the market. In recent years, the functions of the third-party payment platform have been continuously optimized and preferential policies have been continuously relaxed. As a result, the number of its users has mushroomed exponentially, and it has gradually replaced the traditional banking industry as the leader of e-commerce. In this environment, Banks should seize the opportunity, put down their dignity, actively integrate existing resources, build a sound cooperation system with the third-party payment platform, promote the further development of China's banking industry, and create greater value. The author believes that the third-party payment platform and commercial Banks are mutually complementary and interdependent. As long as they follow the principle of mutual benefit and win-win results, both parties can gain advantages from stable cooperation. For example, through cooperation with the third-party payment platform, commercial Banks can continuously expand the deposit scale of the bank: meanwhile, the third-party payment platform can also obtain stable customer resources from commercial Banks, which plays a positive role in in-depth understanding of customer needs and improving customer service quality. In addition, through this cooperation model, Banks can also find loopholes in the business system and help Banks improve more reasonable customer service standards.

Today, with the rapid development of Internet economy, the traditional marketing model has fallen behind the pace of The Times. Only by providing customers with diversified and personalized services and stimulating their enthusiasm for active participation in activities can Banks further develop. Based on big data, account managers should boldly change their marketing ideas after understanding customers' consumption habits and buying habits. For example: the customer at the time of purchase products, the traditional marketing model has not adapt to the needs of customers, always let the customer feel the feeling of "cheating", customer manager can adopt the way of financing to spell group stimulate customers to buy financial products, customers can choose to buy money, familiar with friends when toll to reward standard can receive cash subsidies, this spell group financial management mode can not only let the customer get affordable, also let the customer enjoy the pleasure of purchase. The advent of the era of big data makes the commercial bank is facing multiple challenges, as well as providing opportunities for the transformation of the development of commercial Banks, with the help of a new type of Internet financial development mode, the electronic banking business on the Internet development of exploration and innovation, and exert its high credibility, stable customer group, advantage and complete risk control, from the cash flow data platform and product level system such as to push forward informationalization construction process, electronic banking to build can face to the future, sustainable development model.

According to the business characteristics and target groups of commercial Banks, build self-platform to better serve customers. Agricultural bank, for example, the target customer groups, including urban and rural residents, professional farmers cooperatives, individual and industrial and commercial door, small micro enterprises, local core, etc., you can build their own e-commerce platform, completes the customer experience evaluation mechanism, enhance customer satisfaction, the electronic banking brand recognition, business satisfaction, loyalty, turnover, etc., making the customer experience index and get feedback in time, use of scientific tools and methods, set up in every link of the product life cycle is smooth user interactive mechanism, intensify users care, strengthen weak links in time, improve the effectiveness of product marketing and services. Establish service support system and improve service level.

In a word, electronic banking is the product of continuous economic development and social progress, which has brought great changes to the banking industry. In today's economic globalization, only by constantly improving the efficiency and quality of banking services can we better provide customers with diversified services and promote the rapid development of China's financial industry.

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