河北省农村信用社电子银行业务发展研究

发布时间：2018-01-15 15:32

本文关键词：河北省农村信用社电子银行业务发展研究　出处：《河北大学》2012年硕士论文　论文类型：学位论文

【摘要】：在电子信息浪潮下，电子银行业务已经成为银行性金融机构维护客户关系，开拓新市场，实现产品和服务创新的新战场。电子银行业务不仅可以大大降低金融机构的运营成本，整合资源，还可以利用规模经济的优势，降低企业成本，提升盈利水平。随着市场经济的深入发展，，农村金融市场的逐渐开放和准入条件的放宽，农村金融市场竞争日益激烈，呈现多层次、多样化的特点。新形势下，河北省农村信用社电子银行业务想要应对日趋激烈的农村金融市场的竞争，获取市场战略优势，进行策略抉择，就必须科学客观的认识自身在同行业电子银行发展领域中的位置。准确的定位并以此制定出行之有效的发展战略，才能更好的促进河北省农村信用社在农村金融市场发挥主导作用，在激烈的竞争中集中优势力量，更好的为地方经济发展服务。本文以农村信用社发展电子银行业务的基础理论为铺垫，阐述了河北省农村信用社电子银行业务发展的历程、现状和管理框架。进而运用SWOT分析法、比较法、统计法等分析方法对其电子银行业务的发展进行了较为全面的分析。通过整理资料和统计数据对其发展中所面临的竞争优势、竞争劣势、市场机会和外部威胁进行了系统的阐述，并结合所作分析提出了相应的应对策略。
[Abstract]:In the electronic information era, electronic banking has become the maintenance of customer relationships, banking financial institutions to develop new markets, achieve the new battlefield of innovative products and services. Electronic banking business can not only greatly reduce the operating costs of financial institutions, the integration of resources, also can use the advantage of scale economy, reduce business costs, improve profitability with. The development of market economy, gradually opening up and relax the access conditions of the rural financial market, rural financial market competition is becoming increasingly fierce, presents a multi-level, diversified characteristics. Under the new situation, the electronic banking business of rural credit cooperatives in Hebei province to deal with the fierce competition of rural financial markets, access to market strategic advantage, strategy choice that must be scientific and objective understanding of their own in the development of electronic banking in the field of the same industry position. Accurate positioning and to make travel The effective development strategy can better promote the leading role of Hebei rural credit cooperatives in the rural financial market, concentrate strength in the fierce competition, and better serve the local economic development.
In this paper, the basic theory of the electronic banking business development of rural credit cooperatives as foundation, introduces the development process of rural credit cooperatives in the electronic banking business in Hebei Province, the current situation and management framework. Then using SWOT analysis method, comparative method, makes a comprehensive analysis of the development of analysis methods of the electronic banking business competition through. Collate information and statistical data in the face of the development of the competitive advantage, disadvantage, market opportunities and external threats are discussed, and combined with the analysis put forward the corresponding countermeasures.

【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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