电子银行发展水平评价研究

发布时间：2018-03-21 07:50

本文选题：商业银行　切入点：电子银行　出处：《中国海洋大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前我国各大商业银行都在大力发展电子银行业务,如何客观评价我国各家商业银行的电子银行发展的水平也就成为一个非常有意义的研究课题。笔者对商业银行电子银行发展水平的评价研究包括两个目标,一是建立现代商业银行电子银行发展水平的评价指标体系,建立一套科学的、可操作的评价指标体系,否则难以判断差异性不大的电子银行之间的区别：二是如何运用该评价体系对商业银行电子银行发展水平进行度量,如何建立科学合理的评价模型,如何日选择行之有效的评价方法。本文将针对上述问题做一些初步的探索,使商业银行能够了解自身电子银行发展的优缺点,使广大客户能够选择适合自己的电子银行产品。本文首先论述了商业银行电子银行发展水平的基础理论,通过介绍相关概念,分析电子银行的业务特点和优势,以及探讨电子银行发展水平的界定,商业银行渠道理论的分析,总结了国商业银行电子银行发展的一般情况。接下来是针对这一发展状况的分析,通过问题分析、发展思路分析来引出,电子银行发展水平的三类因素：环境因素、资源因素、能力因素。然后通过因素分析,结合前人研究核心竞争力、信息化水平的结果,初步建立了由四项一级指标、二十项二级指标组成的评价指标体系。通过权重分析、专家赋权初步建立起我国商业银行电子银行发展水平评价的指标公式。最后,通过比较分析某两家商业银行的电子银行发展水平,得到了两家商业银行的指标得分和总分,分析了两家银行在电子银行建设上的得与失。在本文的研究中,创新点主要体现在如下两个方面：一是针对电子银行发展水平的评价研究或仅局限于某个角度,或比较分散,缺乏系统研究的现象,本文将研究重点放在了电子银行业务发展水平的评价上来,初步建立起科学的、可操作的中国商业银行电子银行水平的评价体系和计算模型。二是在指标选取时,本文先是通过因素分析,初步得出影响电子银行发展的三类因素,接着进行因素分解,得到具体的影响因素。并结合前人研究商业银行竞争力和企业信息化发展水平的已有经验,综合因素分析结论进行指标的筛选和确定,确保指标选取的科学性和准确性。
[Abstract]:At present, all the major commercial banks in China are vigorously developing their electronic banking business. How to objectively evaluate the level of development of electronic banks in China has become a very meaningful research topic. The author's evaluation of the level of development of commercial banks includes two objectives. First, to establish an evaluation index system for the development level of electronic banks in modern commercial banks, and to establish a scientific and operable evaluation index system. Otherwise, it is difficult to judge the difference between the different electronic banks: second, how to use the evaluation system to measure the development level of commercial banks, how to establish a scientific and reasonable evaluation model, How to choose an effective evaluation method day by day. This paper will make some preliminary exploration in view of the above problems, so that commercial banks can understand the advantages and disadvantages of their own electronic banking development, so that the vast number of customers can choose their own electronic banking products. This paper first discusses the basic theory of the development level of electronic banking in commercial banks, analyzes the characteristics and advantages of electronic banking, and probes into the definition of the level of development of electronic banks by introducing the relevant concepts. The analysis of the channel theory of commercial banks summarizes the general situation of the development of electronic banking in China's commercial banks. There are three kinds of factors in the development level of electronic bank: environmental factor, resource factor, ability factor. Then through factor analysis, combining with the results of previous research on core competitiveness and information level, the paper preliminarily establishes four primary indexes. The evaluation index system composed of 20 secondary indexes. Through the weight analysis, the expert empowerment preliminarily establishes the index formula for the evaluation of the development level of the electronic bank in China's commercial banks. Finally, Through the comparative analysis of the development level of two commercial banks, the index scores and total scores of the two commercial banks are obtained, and the gains and losses of the two banks in the construction of electronic banks are analyzed. In the research of this paper, the innovation points are mainly reflected in the following two aspects: first, the evaluation research on the development level of electronic banking is limited to a certain angle, or relatively scattered, lack of systematic research phenomenon. This paper focuses on the evaluation of the level of development of electronic banking, and establishes a scientific and operational evaluation system and calculation model of the level of electronic banking of Chinese commercial banks. Second, when the indicators are selected, Firstly, through factor analysis, three kinds of factors affecting the development of electronic banking are obtained, and then the factors are decomposed. Based on the previous experience of commercial banks' competitiveness and the level of enterprise information development, the conclusion of comprehensive factor analysis is selected and determined to ensure the scientific and accurate selection of indicators.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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