信息技术对我国商业银行创新的影响研究

发布时间：2018-06-24 08:57

本文选题：信息技术 + 商业银行　；参考：《吉林大学》2013年硕士论文

【摘要】：本研究对信息技术背景下商业银行创新活动进行深入分析，探讨影响商业银行进行创新的信息技术类型，揭示驱动商业银行进行创新的关键要素，剖析商业银行创新的类型以及创新所带来的相应产出。同时，本研究还以国际金融领域的领先者中国工商银行作为案例，深入揭示信息技术背景下工商银行的创新类型及其对获得竞争优势的重要意义。具体地，本研究所关注的主要内容如下。本研究首先通过对现有研究文献进行系统整理，回顾了金融创新相关基础理论，提炼出有代表性学者的观点和主要研究内容。在国外研究方面，代表性学者为Akamavi、Drew、Devlin、Santomero和Trester等学者。这些学者的研究主要关注了探讨推动网络银行使用的前置驱动因素；探讨银行服务创新的关键要素、过程或模型；揭示信息技术对于银行服务创新的影响等方面。国内研究的代表性学者为杨萍和吴晓兰、文永明、李昱和李莹等。国内学者的研究主要关注得最多的是关注最多的是探讨信息技术在商业银行创新过程中所起的作用及其影响，同时还关注了信息技术背景下的商业银行或金融创新的特点、意义及面临的问题、信息技术背景下的商业银行创新的前置因素分析以及信息技术背景下的商业银行创新的安全风险分析等内容。随后，对我国商业银行发展所面临的各种环境，包括政策环境、市场环境、微观环境和竞争格局进行深入分析。在政策环境方面，我国商业银行面临着严格的金融监管，利率持续下调、正处于经济转型期，金融方面的法律法规正逐步完善、商业银行的财务政策不统一，缺乏公平性竞争的制度基础等环境。在市场环境方面，我国商业银行面临着经济快速发展，金融服务缺口激增、国有大型商业银行依然处于垄断地位，但正受到中小型银行的冲击、同行业竞争激烈，银行业务受到挤压，并受到非金融机构的挑战等环境。随着我国四大国有银行的成功改制，以及加入WTO后对外资开放金融市场以后，我国商业银行形成了以中国银行、工商银行、建设银行和农业银行四大国有商业银行的高度垄断为主，股份制银行和外资银行不断加入和冲击的新竞争格局。本研究最为核心的研究内容是深入探讨信息技术对我国商业银行创新的影响。通过分析，本研究发现，信息技术对于商业银行的影响最终将体现为相应的产出，包括为商业银行带来更丰厚的经营利润、提高其市场占有率从而获得竞争优势、提升组织规模而带来规模经济以及获得更高的顾客满意度从而培育顾客忠诚度。信息技术对商业银行的影响主要是通过促进银行进行各种类型的创新活动这一路径。从影响商业银行创新活动的角度来看，信息技术可以包括互联网技术、移动通信技术和计算机技术。这些信息技术的快速变革是促动商业银行进行创新的最根本动力。但信息技术的变革还导致了顾客需求、竞争环境、微观环境以及银行自身的自我危机感等这些创新活动的直接驱动因素的变革间接影响商业银行的创新活动。因此，综合信息技术、创新驱动力、创新活动和创新产出，本研究构建相应的理论模型。随后，，针对这一理论模型，本研究随后一一详细论述了信息技术对商业银行创新驱动力的影响、创新驱动力对商业银行创新的影响、商业银行创新与相应产出的关系。本研究以中国工商银行为案例，深入系统分析信息技术对商业银行创新的影响和作用过程。作为金融领域的巨无霸，中国工商银行一直处于我国商业银行的领先地位。因此，以中国工商银行作为案例分析具有极高的代表性和说服力。中国工商银行在当年上市之初仅排全球第五左右，随后几年的快速发展使其一跃成为全球最大的商业银行，以及成为最盈利的商业银行。工商银行能够取得这些成绩与其进行持续的创新，抓住经济全球化的国际化战略等是密不可分的。工商银行极其重视产品和服务创新，其率先在国内成立博士后科研流动站便是很好的证明。本研究从工商银行的产品或服务创新、工商银行的组织管理创新、工商银行的商业模式创新、工商银行的服务系统创新以及工商银行的其他形式的创新等多个角度分析在信息技术的推动下，中国工商银行不同形式的创新过程。本研究的案例分析也很好地验证了本研究提出的信息技术对我国商业银行创新的影响模型。本研究结果显示，现代通信技术、互联网技术和计算机技术是影响商业银行进行创新的技术支撑。这些信息技术的变革极大地改变着顾客需求的变革、竞争环境的变革以及商业银行的自我危机感。这些都是驱动商业银行进行创新的关键驱动因素，会影响其进行产品或服务创新、组织管理创新、商业模式创新和服务系统的创新。商业银行进行创新的最终目的便是保持竞争优势，获得更高的收益。因此，创新活动的产出包括更高的收益回报、更高的市场占有率、更高的顾客满意度和快速的规模增长。本研究对中国商业银行创新带来重要启示意义。随着我国加入WTO后，国内金融市场逐步开放，在外资商业银行的进入以及股份制银行等新金融机构的不断冲击下，国内商业银行面临着前所未有的巨大挑战。特别地，外资商业银行拥有成熟的管理经验和强大的信息技术处理能力，这使得其经营效率更高，营业利润更丰厚。外资银行具有在信息技术背景下进行市场经营的长期经验，而国内金融机构却还处于起步阶段。在这一背景和形势下，国内的商业银行必须要抓住机遇，通过不断地创新以维持原有的竞争地位。具体地，我国商业银行应该从以下几个方面来提升其竞争优势，包括要把握信息技术下客户需求及其变革方向、转变传统的商业发展模式，积极寻求商业模式创新、注重员工队伍和创新文化建设，提升自身的管理水平。同时，商业银行还应当鼓励创新文化建设，激烈各层员工发挥创造性，鼓励新方法的运用，从而提升企业的整体创新能力。
[Abstract]:This study makes an in-depth analysis of the innovation activities of commercial banks under the background of information technology, probes into the types of information technology that affects the innovation of commercial banks, reveals the key elements that drive the innovation of commercial banks, analyzes the types of innovation of commercial banks and the corresponding outputs brought by the innovation, and this study also is based on the international financial field. The leading ICBC, as a case, reveals the innovative types of ICBC and its importance to gain competitive advantage under the background of information technology.
This study first reviews the existing research literature systematically, reviews the basic theory of financial innovation, extracts the views and main research contents of representative scholars. In foreign research, the representative scholars are scholars of Akamavi, Drew, Devlin, Santomero and Trester. The research of these scholars is mainly concerned with the discussion of the promotion network The key factors, process or model of bank service innovation are discussed, and the influence of information technology on banking service innovation is revealed. The representative scholars of domestic research are Yang Ping and Wu Xiaolan, Wen Yongming, Li Yu and Li Ying. The main concern of domestic scholars is the most concern. The purpose of this study is to explore the role and influence of information technology in the process of innovation in commercial banks. At the same time, it also focuses on the characteristics, significance and problems of commercial banks or financial innovation under the background of information technology, the analysis of the prefactors of the innovation of commercial banks under the background of information technology and the innovation of commercial banks under the background of information technology. The safety risk analysis and so on.
Then, the various environment, including the policy environment, the market environment, the micro environment and the competitive pattern, faced by the development of the commercial banks in China are deeply analyzed. In the policy environment, the commercial banks of our country are facing strict financial supervision, the interest rate is continuously down, and the laws and regulations of the financial aspects are gradually improving. In the market environment, China's commercial banks are facing rapid economic development, the financial service gap is increasing, the state-owned large commercial banks are still in a monopoly position, but they are under the impact of small and medium banks, the competition in the same industry is fierce and the banking business is subjected to the market environment. After the successful restructuring of the four major state-owned banks in China and the opening of the financial market to foreign capital after the entry of WTO, China's commercial banks have formed a high degree of monopoly with the four major state-owned commercial banks of China's banks, industrial and commercial banks, construction banks and agricultural banks. The new competition pattern that the banks have joined and impacted.
The most important research content of this study is to explore the impact of information technology on the innovation of commercial banks in China. Through the analysis, this study finds that the impact of information technology on commercial banks will eventually be reflected in the corresponding output, including more lucrative business profits for commercial banks and higher market share to gain competitive advantage. The impact of information technology on commercial banks is mainly through the promotion of various types of innovative activities by banks. Information technology can include the Internet from the point of view of the impact of commercial banks' innovation activities. Technology, mobile communication technology and computer technology. The rapid change of these information technology is the most fundamental driving force for the innovation of the commercial banks. But the change of information technology has also led to the change of direct driving factors such as customer needs, competitive environment, microenvironment and self crisis of the bank itself. This research builds the corresponding theoretical model in this study. Then, in this study, the influence of information technology on the driving force of commercial banks' innovation drive is discussed in detail, and the innovation driven force is innovative to commercial banks. The relationship between the innovation of commercial banks and the corresponding output.
This study takes the ICBC as a case to systematically analyze the impact and process of information technology on the innovation of commercial banks. As a big Mac in the financial field, ICBC has been in the leading position of China's commercial banks. Therefore, the ICBC as a case analysis has very high representativeness and persuasiveness. The industrial and Commercial Bank of China was only around fifth of the global market at the beginning of the year, and the rapid development of the next few years made it the largest commercial bank in the world and became the most profitable commercial bank. The business bank attaches great importance to the innovation of product and service. It is a good proof that it is the first to establish post doctoral research flow station in China. This research is from the product or service innovation of industrial and commercial bank, the innovation of the organization and management of the industrial and commercial bank, the business model innovation of the industrial and commercial bank, the innovation of the service system of the industrial and commercial bank and the other forms of the industrial and commercial bank. Under the impetus of the information technology, the innovation process of the ICBC has been analyzed in different forms. The case analysis of this study also validates the impact model of the information technology proposed by this research on the innovation of commercial banks in China.
The results of this study show that modern communication technology, Internet technology and computer technology are the technical support for the innovation of commercial banks. The change of these information technology changes greatly the change of customer demand, the change of competitive environment and the sense of self crisis of commercial banks. These are all the key to the innovation of commercial banks. Driving factors will affect product or service innovation, organizational management innovation, business model innovation and service system innovation. The ultimate goal of commercial banks to innovate is to maintain competitive advantage and gain higher returns. Therefore, the output of innovation activities includes higher returns, higher market share, and higher customers. Satisfaction and rapid growth of scale.
This study brings important implications for the innovation of Chinese commercial banks. With China's entry into the WTO, domestic financial markets are gradually open. Under the continuous impact of new financial institutions such as foreign commercial banks and joint-stock banks, domestic commercial banks face unprecedented challenges. The mature management experience and the powerful information technology processing ability make it more efficient and more profitable. Foreign banks have long experience in market operation under the background of information technology, while domestic financial institutions are still in its infancy. In this context and situation, domestic commercial banks must seize the machine. In fact, the commercial banks in China should improve their competitive advantages from the following aspects, including the needs of the customers and the direction of change under the information technology, the transformation of the traditional business development model, the innovation of the business model and the construction of the staff and the creative culture. At the same time, the commercial banks should also encourage the construction of innovative culture, make the staff creative and encourage the use of new methods so as to improve the overall innovation ability of the enterprises.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.2

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