我国证券公司电子商务经营模式研究

发布时间：2019-01-21 14:41

【摘要】：1987年，我国的首家证券公司成立，以此为标志，我国的证券市场已发展近三十年。证券公司的成立与证券业的发展，对改善我国的融资结构、丰富融资渠道、构建金融市场、促进经济发展等方面起到了非常重要的作用。沪、深两个证券交易所的交易量从1992年到2012年增长了620余倍，在这过程中，证券市场资产规模及证券公司的收入水平获得了大幅提升。二十一世纪以来，互联网技术获得了飞速发展，，伴随着技术发展和社会行为的变化，人们的支付方式和信息处理方式也有了很大的改变，首先是传统零售行业受到了极大的冲击；进入2010年代，部分互联网企业开始涉足金融业务，以银行为代表的传统金融机构感受到了危机和压力；互联网金融对证券业务的冲击，则因业务不同而影响不同或证券公司的实力不一而影响不一。本文尝试通过界定证券公司电子商务和经营模式的定义，总结和分析美国、日本及其他国家证券公司电子商务的经营模式及发展趋势，回顾我国证券公司电子商务的发展历程及当前状况，对我国证券公司电子商务主要业务模式进行分析比较和总结，在此基础上，给我国证券电子商务经营模式提出发展思路及创新方案，并对创新方案从账户体系、产品体系、支付通道、客户行为分析、后台支撑等方面给出框架设计的实施路径。最后，由于现行的部分政策法规已不能适应证券电子商务的发展，为鼓励证券公司通过电子商务为传统证券业务寻找新的增长点，本文从账户管理、资金划转、证券公司金融产品和设立专业的网络证券经纪公司等四方面的政策瓶颈提出建议，以期能给证券电子商务的快速发展扫清政策障碍。本文正是试图顺着这样一种脉络，解析国内外证券公司电子商务发展现状，论证证券公司发展电子商务的必要性，并探讨电子商务的经营模式。
[Abstract]:In 1987, the first securities company was established in China, which marked the development of China's securities market for nearly 30 years. The establishment of securities companies and the development of securities industry have played a very important role in improving the financing structure of our country, enriching the financing channels, constructing the financial market and promoting the economic development. Trading volumes on the Shanghai and Shenzhen stock exchanges have increased more than 620 times between 1992 and 2012, and in the process the size of assets in the securities market and the income level of securities companies have risen sharply. Since the 21 century, Internet technology has developed rapidly. With the development of technology and the change of social behavior, people's payment and information processing have also changed a lot. First of all, the traditional retail industry has been greatly impacted; In the 2010s, some Internet enterprises began to dabble in financial business, and the traditional financial institutions represented by banks felt the crisis and pressure. The impact of Internet finance on securities business is different because of different business and the strength of securities companies. This paper attempts to summarize and analyze the business models and development trends of securities companies in the United States, Japan and other countries by defining the electronic commerce and business models of securities companies. Reviewing the development course and current situation of electronic commerce of securities companies in China, analyzing, comparing and summarizing the main business models of electronic commerce of securities companies in our country, on the basis of which, This paper puts forward the development ideas and innovative schemes for the management mode of China's securities electronic commerce, and gives the implementation path of the framework design from the aspects of account system, product system, payment channel, customer behavior analysis, backstage support, and so on. Finally, because the current policies and regulations can no longer adapt to the development of securities electronic commerce, in order to encourage securities companies to seek new growth points for traditional securities business through electronic commerce, this paper transfers from account management to capital transfer. Four policy bottlenecks, such as financial products of securities companies and establishment of professional network securities brokerage companies, are put forward in order to clear the policy obstacles for the rapid development of securities electronic commerce. This paper attempts to analyze the current situation of e-commerce development of securities companies at home and abroad, demonstrate the necessity of developing e-commerce, and discuss the management mode of e-commerce.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F724.6

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