电子银行产品创新和服务创新问题研究

发布时间：2018-01-26 19:00

本文关键词： 电子银行产品和服务创新　出处：《安徽农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：借助因特网的出现、发展和电子商务的兴起，，信息网络技术与金融全球化高度结合，全球电子银行蓬勃发展。电子银行能够拓宽金融服务领域，提高金融服务质量，扩大销售收入，降低服务成本。各商业银行为了更好地适应新技术带来的新的需求，纷纷加快了电子银行业务发展步伐，推出电话银行、网上银行、手机银行、企业银行等多种金融产品，不断扩充和完善产品服务功能，培植潜在客户群体及未来市场，电子银行成为银行业服务竞争的焦点。与此同时，外资银行纷纷以电子银行作为突破口与国内的银行展开竞争。这一背景下，研究电子银行产品创新和服务创新，顺应了时代潮流，具有重要的现实意义。基于以上认识，论文运用实证分析与规范分析相结合、一般分析与个别分析相结合的研究方法，以电子银行概念，金融创新理论为理论基础，首先对国内外电子银行产品和服务创新现状进行分析，然后依次对个人网银产品创新案例，企业网银产品创新案例和手机银行产品和服务创新案例进行分析，最后为我国电子银行产品和服务的创新提出对策建议，促使电子银行业务步入稳步发展的快车道。
[Abstract]:With the emergence of the Internet, development and the rise of electronic commerce, information network technology and financial globalization are highly integrated, the global electronic banking boom. Electronic banking can broaden the field of financial services. To improve the quality of financial services, expand sales revenue, reduce service costs. In order to better adapt to the new demand brought by new technology, commercial banks have accelerated the pace of electronic banking business development, introduced telephone banks. Internet banking, mobile banking, corporate banking and other financial products, continue to expand and improve the product service function, to cultivate potential customer groups and future markets. E-banking has become the focus of banking service competition. At the same time, foreign banks have to use e-banking as a breakthrough point to compete with domestic banks. The research on product innovation and service innovation of electronic banking conforms to the trend of the times and has important practical significance. Based on the above understanding, the paper combines empirical analysis with normative analysis. Based on the concept of electronic banking and the theory of financial innovation, the research methods of general analysis and individual analysis are used to analyze the innovation status of electronic banking products and services at home and abroad. Then the paper analyzes the cases of personal net silver product innovation, enterprise net silver product innovation case and mobile phone bank product and service innovation case in turn, and finally puts forward countermeasures and suggestions for the innovation of electronic banking products and services in our country. To promote the steady development of e-banking business into the fast track.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】