招商银行移动金融业务发展战略研究

发布时间：2018-08-20 16:19

【摘要】：互联网的快速发展以及以手机为首的智能终端的发展,改变了人们的生活,现如今人们的吃穿住行都可以在手机上解决。金融领域也受到互联网技术发展的影响,正在发生着重大的变化。以手机银行、微信银行等为主的移动金融形式已经深入到人们的日常生活当中。只要在手机上就可以查询自己的账户,进行转账、汇款或者购买理财产品等业务,而不需再去银行排队等候办理业务。本文以招商银行为例,在阅读大量文献资料的基础上,对当前国内外移动金融业务的发展状况进行了系统的梳理与学习。首先,简要地介绍了本文的研究背景及意义,分析了国内外移动金融业务的研究现状,以及本文采用的研究方法等内容。其次,对本文研究中涉及的移动金融、移动金融业务、移动金融产品的概念进行了界定,并就本文研究所依据的理论基础进行了简单的介绍。再次,从手机银行和手机支付两个方面详细分析了招商银行移动金融业务的发展现状,并从内外部环境对招商银行移动金融业务的发展环境进行了分析。最后,就如何实施招商银行移动金融业务发展的战略进行了研究,提出了招商银行发展移动金融业务的总目标以及实施战略,并从五个方面对如何实施招商银行移动金融业务发展战略提出了相应的意见。
[Abstract]:The rapid development of the Internet and the development of smart terminals, led by mobile phones, have changed people's lives. Nowadays, people's food, clothing, housing and transportation can be solved on mobile phones. The financial field is also affected by the development of Internet technology, is undergoing major changes. Mobile-based banking, WeChat banking and other forms of mobile finance have penetrated into people's daily life. You can check your account, transfer money, remit money or buy wealth management products on your mobile phone. You don't have to go to the bank to wait in line for business. This paper takes China Merchants Bank as an example, on the basis of reading a great deal of literature, systematically combs and studies the development of mobile finance business at home and abroad. Firstly, this paper briefly introduces the research background and significance of this paper, analyzes the domestic and foreign mobile financial business research status, as well as the research methods adopted in this paper. Secondly, the concepts of mobile finance, mobile financial business and mobile financial products are defined, and the theoretical basis of this study is briefly introduced. Thirdly, the development status of mobile finance business of China Merchants Bank is analyzed in detail from two aspects of mobile banking and mobile payment, and the development environment of mobile financial business of China Merchants Bank is analyzed from the internal and external environment. Finally, the paper studies how to implement the strategy of mobile financial business development of China Merchants Bank, and puts forward the general goal and implementation strategy of China Merchants Bank to develop mobile financial business. And from five aspects of how to implement China Merchants Bank mobile financial business development strategy put forward the corresponding advice.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2;F724.6

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