城市商业银行电子银行发展研究

发布时间：2018-02-26 02:15

本文关键词： 城市商业银行泉州银行电子银行发展建议　出处：《华侨大学》2012年硕士论文　论文类型：学位论文

【摘要】：互联网的成熟发展和电子商务的异军突起，让电子银行发展在银行经营中发挥越来越大的作用。对于城市商业银行来说，如何在大型商业银行已发展较为成熟的电子银行体系中紧跟时代潮流，推动业务发展，博得市场的一席之地，显得尤为重要。本研究通过研究发现电子银行是银行未来发展的趋势。在激烈的电子银行市场挑战中，把握电子银行发展机遇，对城市商业银行在未来发展中具有重要的战略意义。本文通过总结国内外电子银行的发展特点，结合国内城市商业银行现行开展电子银行情况，以及对其发展的宏观环境分析、内外环境分析和从客户关系管理的角度，提出国内城市商业银行在激烈的电子银行市场竞争中的发展策略：完善电子银行发展的政策环境、建立竞争优势打造自己的电子银行品牌、加强电子银行各要素的投入统筹发展和丰富电子银行体系，以及加强风险管理和引入CRM系统发展电子银行等。最后，本文以泉州银行为案例，通过对泉州银行电子银行现有的电子银行体系进行分析，发现泉州银行电子银行发展存在的不足，并针对其业务电子化程度低、技术力量薄弱、缺乏规划、创新不足、缺乏科学考核机制、营销力度不够和存在的安全风险问题提出提高电子银行业务占比、加强电子银行信息建设、统筹和创新发展电子银行、建立科学规范考核机制、扩大宣传力度、加强风险防范和打造区域特色等发展对策，祈盼对泉州银行打造区域特色电子银行的竞争优势有重要借鉴意义。
[Abstract]:The mature development of the Internet and the emergence of electronic commerce make the development of electronic banking play a more and more important role in the operation of banks. It is very important to keep up with the trend of the times, promote the business development and win a market place in the mature electronic banking system of large commercial banks. This study finds that electronic banking is the future development trend of banks. In the fierce electronic banking market challenges, seize the development of electronic banking opportunities, This paper summarizes the development characteristics of electronic banks at home and abroad, combines the current situation of electronic banks in China and the city commercial banks in China, and analyzes the macro environment of their development. Based on the analysis of internal and external environment and from the perspective of customer relationship management, this paper puts forward the development strategies of domestic city commercial banks in the fierce competition of electronic banking market: perfecting the policy environment for the development of electronic banks, Build up competitive advantage to build one's own electronic banking brand, strengthen the investment of each element of electronic bank as a whole, enrich the electronic banking system, strengthen risk management and introduce CRM system to develop electronic bank, etc. Finally, This paper takes Quanzhou Bank as an example, through the analysis of the existing electronic banking system of Quanzhou Bank, finds out the shortcomings of the development of Quanzhou Bank Electronic Bank, and aims at its low degree of electronic operation and weak technical force. Lack of planning, lack of innovation, lack of scientific examination mechanism, insufficient marketing efforts and existing security risks raise the proportion of electronic banking business, strengthen the information construction of electronic banks, and coordinate and innovate the development of electronic banks. It is of great significance for Quanzhou Bank to establish a scientific and standardized examination mechanism, expand publicity, strengthen risk prevention and build regional characteristics and other development countermeasures, hoping that it will be of great significance to Quanzhou Bank to build the competitive advantage of regional characteristic electronic bank.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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