The dynamical model developed in [Phys. Rev. C 54, 2660] has been applied to investigate the pion electroproduction reactions on the nucleon. It is found that the model can describe to a very large extent the recent data of p(e, e ′ π 0 ) reaction from Jefferson Laboratory and MIT-Bates. The extracted magnetic dipole(M1), electric dipole(E2), and Coulomb(C2) strengths of the γN → ∆ transition are presented. It is found that the C2/M1 ratio drops significantly with Q 2 and reaches about -13% at Q 2 =4 (GeV/c) 2 , while the E2/M1 ratio remains close to the value ∼ −3% at the Q 2 = 0 photon point.The determined M1 transition form factor drops faster than the usual dipole form factor of the proton. We also find that the non-resonant interactions can dress the γN → ∆ vertex to enhance strongly its strength at low Q 2 , but much less at high Q 2 . Predictions are presented for future experimental tests.Possible developments of the model are discussed. PACS number(s): 13.75. Gx,21.45.+v,25.20.Lj