中国商业银行网络银行业务创新策略研究

发布时间：2018-02-10 23:25

本文关键词： 商业银行网络银行第三方支付创新策略　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：信息技术的巨大飞跃给金融业带来了重大影响,网络银行是信息技术和金融业发展结合的高级产物。网络银行已不仅作为银行对外服务的平台,同时不少商业银行在网络银行的洪流推动下进行流程再造,将运营管理与网络银行本身融合到一起,从而产生更高的效率及更大的效益。我国网络银行的发展是从商业银行的业务迁移开始的,发展至今,网络银行业务已从过去的蓝海变为竞争激烈的红海,市场竞争也愈演愈烈,在为客户降低使用成本的同时,商业银行网络银行业务的运营成本越来越高。与此同时第三方支付行业的兴起也更加剧了网络银行市场的竞争。本文将对我国国内商业银行网络银行业务的现状和困境进行多角度的分析,并结合金融创新理论以及当前新兴的长尾经济理论研究网络银行的创新策略。由金融创新理论观点为依据,讨论网络银行发展的原因、目的和目标。将创新扩散理论(IDT)和技术接受模型(TAM)结合,研究网络银行创新的方式和途径以及创新扩散的影响因素,从客户角度出发讨论如何使网络银行更易于用户所接受。探讨新网络经济时代背景下长尾理论、免费商业等代表性理论为网络银行发展带来的思路和影响。最后,结合国内实际市场环境分析讨论,分别从竞争优势的保持、多渠道合作、技术创新、风险管理和政策创新几个方面提出了国内商业银行网络银行业务在面临巨大困难情况下的创新策略建议。
[Abstract]:The great leap of information technology has brought great influence to the financial industry. The network bank is the advanced product of the combination of information technology and financial industry development. At the same time, many commercial banks carry out process reengineering under the push of the flood of network bank, and combine operation management with network bank itself, thus producing higher efficiency and greater benefit. The development of the network bank in our country started from the business migration of the commercial bank. Up to now, the business of the network bank has changed from the blue sea in the past to the fierce competition in the red sea, and the market competition is also becoming more and more intense. At the same time, the use cost of the network bank has been reduced for the customers. At the same time, the rise of the third-party payment industry has intensified the competition in the network banking market. This article will carry on the multi-angle analysis to the domestic commercial bank network bank service present situation and the predicament, Based on the theory of financial innovation and the current long tail economic theory, the paper discusses the reasons for the development of network bank, based on the theory of financial innovation. Objective and objective. By combining innovation diffusion theory (IDT) with technology acceptance model (TAM), this paper studies the ways and means of innovation in network banks and the influencing factors of innovation diffusion. From the customer's point of view, this paper discusses how to make the network bank more acceptable to users. It also discusses the thought and influence that the long tail theory, free commerce and other representative theories bring to the development of the network bank under the background of the new network economy era. According to the analysis and discussion of domestic market environment, from the maintenance of competitive advantage, multi-channel cooperation, technological innovation, Several aspects of risk management and policy innovation are put forward in the domestic commercial banks network banking business in the face of great difficulties in innovation strategies.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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