城市商业银行电子银行业务发展策略的研究

发布时间：2018-06-13 23:56

本文选题：城市商业银行 + 电子银行　；参考：《贵州财经大学》2013年硕士论文

【摘要】：城市商业银行是根据国家发展的需要服务于城市经济建设的而筹建发展的银行，他们是我国现阶段商业银行体系中一支日渐重要的生力军，是在化解原来城市信用社风险、深化改革要求的基础上发展起来的。城市商业银行在完善我国金融体系、协助当地金融发展、为居民提供就业岗位和服务便利方面发挥了难以替代和不可小觑的作用。近年来，城市商业银行经过自身的不懈努力，，通过引进国内国外战略投资者、跨区域重组联营等途径改善了资产质量、扩充了资本实力，城市商业银行的发展又迈上了一个新台阶，北京银行、南京银行、宁波银行这三家银行发展优秀的城市商业银行还加入了上市银行的行列。在新的信息时代，城市商业银行推出电子银行业务，在发展的过程中出现的新特点，发展策略这一新问题更值得学术界进行研究。本文首先阐述了城市商业银行的内涵和特征，从城市信用合作社即城市商业银行的前身介绍起，详细论述了城市商业银行的发展历程、在我国金融体系发展中起到的作用以及中国加入世贸组织后，城市商业银行新的发展趋势。随后，本文介绍了电子银行的内涵和特征，其中包括电子银行的四项子业务网络银行、电话银行、手机银行、自助银行，分别从其各自内涵，运营特征（收益，风险，市场竞争）等几个方面逐项介绍。为我国城市商业银行的发展电子银行提供了可借鉴的建议。接着本文针对城市商业银行发展电子银行的制约因素，建立了合理的评价城市商业银行发展电子银行业务的综合指标体系，构建出一套合理的模型，并比较严格的论证出电子银行各项子业务的发展次序，为城市商业银行发展电子银行业务提出建议，并对我国城市商业银行未来的发展道路作出了相应的建议。这也是本文的研究重点和创新之处。在研究方法上，本文将规范分析和实证分析进行了结合使用。首先阐述城市商业银行的概念、特点、历史发展和作用等，这些是规范分析的范畴；又通过结合文献研究确定影响城市商业银行发展电子银行业务的指标，以及收集我国专家和银行从业人员对城市商业银行发展电子银行业务的观点，且做了问卷调查，分析各项指标对于城市商业银行发展各项电子银行子业务的影响程度和相对重要性，使用yaahp软件进行AHP分析，对影响城市商业银行发展电子银行业务员的因素进行了实证分析；本文在结尾中再次使用规范分析，对城市商业银行未来的发展在电子银行业务方面列出了一些具有参考价值的建议。根据之前的参考文献来看，我国学术界对于城市商业银行发展电子银行业务的研究虽然历史不算短暂，但在研究文献中，规范分析占绝大部分，而且基本上是局限于先阐述城市商业银行发展电子银行现今存在的缺陷进而提出解决的建议。少量有实证分析的文献，实证分析部分也只是将收集到的城市商业银行的数据进行横向或纵向的比较，使用模型进行实证分析的论文非常有限。因此本文使用问卷调查法，收集有关专家及银从业人员有关电子银行的统计数据，并进行实证分析，这具有一定的创新性，对研究我国城市商业银行的发展问题也有一定的实际意义。
[Abstract]:The city commercial bank is a bank which serves the development of the city's economic construction according to the needs of the national development. They are an increasingly important force in the commercial bank system of our country at the present stage. It is developed on the basis of resolving the original risk of the city credit cooperatives and deepening the requirements of the reform. The financial system has played an irreplaceable and irreplaceable role in assisting local financial development and providing jobs and service convenience for the residents. In recent years, the urban commercial banks have improved the quality of assets through the introduction of domestic and foreign strategic investors and cross regional reorganization, and expanded the capital reality through their unremitting efforts. The development of urban commercial banks has stepped up a new step. The three banks, Beijing bank, Nanjing bank and Ningbo bank, have developed excellent urban commercial banks to join the ranks of listed banks. In the new information age, the urban commercial banks launch electronic banking business, the new characteristics and development strategies in the process of development. A new problem is more worthy of academic research. This paper first expounds the connotation and characteristics of urban commercial banks. From the predecessor of the city commercial bank, the development process of urban commercial banks, the role of the city commercial banks in the development of China's financial system and the city after China's entry into the WTO are discussed in detail. The new trend of commercial banks' development. Then, this paper introduces the connotation and characteristics of electronic banks, including the four sub business network banks, telephone banks, mobile banking and self-help banks, which are introduced separately from their respective connotations, operating characteristics (income, risk, market competition) and other aspects. The development of electronic bank provides some useful suggestions. Then, in view of the restrictive factors of the development of electronic banks by urban commercial banks, a comprehensive index system for evaluating the development of electronic banking business by urban commercial banks is set up, a set of reasonable models are built, and the sub business of electronic banks is proved to be more strict. In order to make suggestions for the development of electronic banking business of urban commercial banks and to make some suggestions for the future development of urban commercial banks in China. This is also the focus and innovation of this paper. In the study method, the normative analysis and empirical analysis are put into combination. First of all, the City Commercial Bank is expounded. The concept, characteristics, historical development and role, these are the categories of normative analysis, and through the combination of literature research to determine the indicators that affect the development of electronic banking business by urban commercial banks, and collect the views of Chinese experts and banking practitioners on the development of electronic banking business of urban commercial banks. The impact degree and relative importance of the item on the development of electronic bank sub business of urban commercial banks, the AHP analysis using Yaahp software, the empirical analysis on the factors affecting the development of electronic bank salesmen by urban commercial banks, and the future development of urban commercial banks using the normative analysis in the end. According to the previous references, the history of the research on the development of electronic banking by urban commercial banks in China is not short, but in the literature, the normative analysis occupies a great part, and it is basically limited to the first exposition of urban commerce. The existing defects of the bank to develop the electronic bank and then put forward the proposal to solve the problem. A small amount of empirical analysis of the literature, the empirical analysis part is only a horizontal or vertical comparison of the data of the city commercial banks collected, and the paper using the model for empirical analysis is very limited. The statistical data about the electronic bank of the experts and the employees of the banking industry and the empirical analysis are carried out. This is of certain innovation and has some practical significance for the research of the development of urban commercial banks in China.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】