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英国essay论文精选范文：“如何推广电子银行”，这篇论文讨论了如何推广电子银行。电子银行作为时代的产物，在经济全球化的促使和互联网金融的发展下应运而生。同时，各种各样的支付平台的产生，越来越吸引客户从银行转向其他金融机构，在这样的情况下，客户对于银行提供的服务质量和效率的要求不断提高，推广电子银行成为银行转型发展的关键。再加上电子银行相较于传统的实体银行优势突出，在减小建设网点成本，减轻柜面压力的同时，也有利于银行客户免于排队的麻烦。

Rapid economic development coupled with the constant innovation of science and technology, information age has arrived. The trend of electronic data has come to us. E-banking as a product of the times, in the economic globalization prompted the development of Internet finance and came into being. At the same time, the emergence of a variety of payment platforms, more and more to attract customers from banks to other financial institutions, in such circumstances, the customer for the bank to provide quality of service and efficiency requirements continue to improve, promote e-banking bank transition The key to development. Coupled with the advantages of e-banking compared to the traditional physical bank highlights, in reducing the cost of building the network to reduce the pressure on the counter, but also conducive to bank customers from the trouble of queuing.

China Construction Bank, as a leader in electronic banking, has gradually improved its products, including Internet Banking, Mobile Banking, SMS Banking, SMS Finance, Electronic Payment, Pad Bank, Telephone Banking and Self-Service Bank. Construction Bank outlets are widely distributed to Qingyang branch, for example, analysis of its various electronic banking products.

Online banking functions, mainly the use of computers for online economic exchanges, the more basic transfer remittance services, prepaid payment services are available. Here mainly describes the characteristics of CCB online banking "silver medical services", this service for the customer to assume a connection between banks and hospitals of the fast channel. Another feature is the account of precious metals, CCB account precious metals trading business includes account gold, account silver, account platinum three varieties, this kind of transaction business does not extract and settlement in kind, earn only the spread.

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Mobile banking is easy to use. Smart phones swept the market at the same time, to promote the development of mobile phone service platform, CCB full-featured mobile banking, the user can make special withdrawals, only need to apply for an advance withdrawal, the application is successful, do not need to bring the bank card only need to provide special withdrawal ID and The password can withdraw the corresponding money.

WeChat banking use a wide range. WeChat has become a new chat platform, most of the elderly prefer WeChat, CCB WeChat Bank introduced to facilitate the use of online banking or mobile banking bank will not use micro-bank to reach the appropriate services.

As the more traditional electronic banking services, users can call CCB service phone to obtain the corresponding service, SMS can also be prompted to carry out the simple business operations.

Pad Bank safe and reliable, fully functional, the latest provides financial products for high-end customers.

Qingyang branch counters from the original four evolved into two, self-service business machine in addition to ATM machine has four, while increasing the self-help card machine, full-featured, the equivalent of a counter for customer self-operation. More and more electronic banking services, e-banking as a product of the transformation of banking financial services, while promoting the transformation of the banking industry.

With the development of the financial industry, a variety of electronic payment products have been produced, Alipay, micro-red envelope platform has become popular favorite products. In our survey found that the number of customers to come to CCB to change the reservation number of 60% because of bank cards tied to Alipay, WeChat, the original reservation number and registered Alipay or WeChat number used in the inconsistency Situation, and then 20% of the customers for the opening of the mobile banking, online banking will be asked about whether it can use its WeChat platform such as red envelopes. From these circumstances can be inferred, Qingyang branch of electronic banking business in a small market is not a good development trend. At least for now is not successful, in order to improve market share, to maintain the banks in the third-party payment platform upstream to take advantage of the opportunity to occupy the upstream, Qingyang branch to promote electronic banking is imperative.

Qingyang branch working time is generally 8:30 to 12:00, 2:30 pm to 5:00, noon on duty staff is relatively small, can only handle some simple business. About 10% of the customers do not know the specific time of bank work, every day before the bank to work, there are some customers come to wait at the door early, or more procedures at noon over the business. More is the majority of customers working hours and bank working hours in conflict. In addition, the Qingyang branch on Saturday is not open, Sunday only part of the staff to work, which to some extent caused by customers in the business of time limitations. E-banking promotion, will enable customers to operate their own, do not need to come to the network in person.

CCB outlets are relatively small, the construction of more high-cost outlets, the promotion of electronic banking, not only to replace the role of outlets, but also to a large extent reduce the cost.

Bank customers, e-banking also reduces the cost of the use of customers, the use of CCB mobile banking customers, do not charge a fee. Qingyang branch needs to remit three major customers, the first migrant workers, according to the sixth census results show that Qingyang County, the resident population of 230,000, compared with the fifth census fell 2.55%, while the Registered household population increased by 2.87%, showing that Qingyang County out of staff is an increase. The second is the tourists, Qingyang County as a new tourist city, the world famous Jiuhuashan one of them, Jiuhuashan Scenic Area to attract 10,000 tourists a day, more holidays, in addition to Jiuhuashan, Qingyang County is also within the jurisdiction of the There are nine sub-rock, sea of clouds and other scenic spots Lianfeng. The third category is the students, after investigation and study found that the floating population, the representative of not only migrant workers, many of them need to pay college tuition fees, living expenses, the school will send a notice of attachment at the same time with a Zhang Bank card, the card is sent to the remote card, the annual remittance fee is not a small sum of the number. When we recommend using mobile banking, students are very happy to use. E-banking promotion can be said to achieve a real sense of the win-win situation.

Is planning the Qingyang, the rapid development of many sections began to add illegal road junction monitoring. Qingyang branch of the average daily processing of tickets to nearly 20 customers, many of whom have more than three tickets. As the counter does not accept tickets, and self-service business machine program more slowly running, many customers reflect the inconvenience, if you catch up with poor network, it is troublesome. In such circumstances, the banking services staff will guide customers to use mobile banking, WeChat bank to pay a fine, not only convenient operation, and do not have to go back and forth to the bank outlets to operate. Of course, mobile banking, micro-bank functions more, not limited to pay a fine, for some basic transfer remittances, financial services, living expenses are involved, and for different regions have different business settings, configuration is perfect. Special mobile banking, customers can always check their own funds, financial income and so on.

CCB has a long history of e-banking development and a high level of security. Take mobile banking, the user just exit the mobile banking, open the interface again, you need to enter a password. Mobile banking password settings are not random, set the password, if the password is set too simple, the system will prompt to set a more complex password, CCB mobile banking there are other features. For example, when the user for mobile phone login, you need to unbundle and then bind a new phone before you can log in, the same number does not work, which also to a certain extent, protect the security of mobile banking. There is the first time customers use mobile banking for large-scale transfer remittances, the system will delay 13 minutes transfer to ensure that customers have thoughtful.

Many customers to handle business, only a small number of customers will take the initiative to apply for electronic banking business, when the construction of the electronic guide to recommend the use of mobile banking and WeChat banking and other services, customers are generally rejected psychological, Electronic banking business is very much mistrust, more willing to use Alipay, micro letter and other payment platform. Qingyang branch to promote e-banking, the first thing is to allow customers to understand the subjective understanding of China Construction Bank e-banking, from the psychological acceptance of e-banking, which requires us to actively promote the recommendation to customers, we must patiently explain, Highlight the advantages of China Construction Bank e-banking, so that customers are assured and willing to use e-banking, in particular mobile banking such emerging clients.

The full range of e-banking, but individual functions are not perfect, such as WeChat finance, SMS finance. A small number of people will not use smart phones, will not use online banking, only use SMS alerts business. The other part of the larger age of customers, although the use of smart phones, the use of WeChat, but will not use mobile banking, online banking, for such customers, we only develop micro-financial business, so that these functions more perfect, to protect customer needs .

Increase cooperation with other operators, to more effectively promote the CCB e-banking functions. In our promotion of mobile banking, for the first time for mobile banking customers, local mobile, China Unicom will be presented a 5 yuan bill, and payment can be involved in a shake after the sweepstakes. But this offer does not start to the telecommunications users, and if it is a one-time recharge of telecommunications users must reach 50 or more, mobile, China Unicom users lower limit. This reflects from the side of electronic banking to strengthen cooperation with other operators, and only in order to promote cooperation in development in order to remain invincible.

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