题目：铁岭银行网上银行业务发展中存在的问题与对策摘要随着信息化程度加深及网络技术的进步，网上银行日益发展成为国内商业银行竞争的焦点。作为新时代最重要的金融创新之一，由于银行要求加快转型，因此网上银行成为可以覆盖所有银行产品和客户的唯一选择，它是唯一具有全面营销功能的渠道的平台，日渐变成我国银行业竞争力的核心。网上银行正在成为银行主要的营销渠道，它可以帮助银行扩展金融服务并帮助银行创造信的运营和管理模式，以便于降低银行的运营和服务成本，同时它还可以分担柜面的压力并增强银行的实力和核心竞争力，为银行带来巨大的改变。因此网上银行的发展能够直接决定当下商业银行核心竞争力，网上银行的发展能力越强，银行的竞争力也就越强。在这种情况下说明铁岭银行要认识到加快其网上银行业务发展的重要性。本文首先结合实际指出了铁岭银行及其网上银行业务的发展现状，提出了铁岭银行网上银行业务在开展过程中遇到的实际问题，并为铁岭银行提供了相应的解决对策。通过对该银行的网上银行业务的调查中，发现铁岭银行的网上银行业务存在着的问题主要包括它对于客户的定位不够准确，它的产品和服务也缺乏创新以及市场营销过时和银行存在一些风险等。因此，本文从铁岭银行网上银行的业务现状入手，结合铁岭银行网上银行的发展特征和经验，深入分析其现有的问题，为铁岭银行网上银行业务的发展构思出让其建立新型的网上银行服务组织模式，更改营销策略，加强风险管理等一揽子对策和方案。期望本文研究能对铁岭银行推进网银业务良性发展及管理水平和竞争水平双重提升起到一定参考和借鉴效用。关键词：网上银行业务；服务创新；营销策略AbstractWiththerapiddevelopmentofsocialeconomyandinformation11technologyandthecontinuousinnovationofnetworktechnology,onlinebankinghasincreasinglybecomethefocusofcompetitionamongdomesticcommercialbanks.Asoneofthemostimportantfinancialinnovationsinthenewera,asbanksrequireacceleratedtransformation,onlinebankinghasbecometheonlychoicethatcancoverallbankingproductsandcustomers.Itistheonlyplatformwithcomprehensivemarketingfunctionsandhasgraduallybecomemycountry’sbankingindustry.Thecoreofcompetitiveness.Onlinebankingisbecomingthebank’smainmarketingchannel.Itcanhelpbanksexpandfinancialservicesandcreatecreditworthyoperationandmanagementmodelsinordertoreducethebank’soperatingandservicecosts.Atthesametime,itcanalsosharethepressureonthecounterandstrengthenthebank.Thestrengthandcorecompetitivenessofthecompanyhavebroughthugechangestothebank.Therefore,thedevelopmentofonlinebankingcandirectlydeterminethecorecompetitivenessofcurrentcommercialbanks.Thestrongerthedevelopmentcapabilityofonlinebanking,thestrongerthecompetitivenessofthebank.Underthiscircumstance,itshowsthatTielingBankmustrealizetheimportanceofacceleratingthedevelopmentofitsonlinebankingbusiness.ThisarticlefirstpointsoutthedevelopmentstatusofTielingBankanditsonlinebankingbusinessbasedontheactualsituation,putsforwardtheproblemsinthedevelopmentofTielingBank'sonlinebankingbusiness,andprovidescorrespondingsolutionsforTielingBank.Throughtheinvestigationofthebank’sonlinebankingbusiness,itisfoundthattheproblemswithTielingBank’sonlinebankingbusinessmainlyincludeitsinaccuratepositioningofcustomers,itslackofinnovationinproductsandservices,outdatedmarketingandthebank’srisksWait.TheseproblemshinderthehealthyandrapiddevelopmentofTielingBank'sonlinebankingbusiness.Therefore,thisarticlestartswiththecurrentstatusofTielingBank’sonlinebankingbusiness,combinedwiththedevelopmentcharacteristicsandexperienceofTielingBank’sonlinebanking,anddeeplyanalyzesitsexistingproblems,andallowsTielingBanktodevelopanewonlineban...
