黑龙江省建设银行公务卡业务发展策略研究

发布时间：2018-03-28 16:20

本文选题：公务卡　切入点：银行卡　出处：《哈尔滨工业大学》2012年硕士论文

【摘要】：公务卡的出现对我国财政结算制度产生了重大影响，首先改变了行政事业单位报销模式，实现了无纸化结算支付和电子化的信息传递；其次实现了公务支出的动态监测；确保了公务支出的公开化。有效提高了我国财务管理水平，更好的为人民服务。公务卡作为一种现代化支付工具，代表了我国财政支付未来发展的方向。随着国有大型银行、新兴股份制商业银行及合资、外资银行在银行卡业务方面的竞争加剧，银行卡的盈利空间面临巨大的考验，公务卡作为新兴的银行卡有着广阔的发展空间，自然成为各银行发展的焦点。本文对比了国内外公务卡业务的发展情况，以黑龙江省建设银行公务卡业务为研究对象，，简要介绍了公务卡的基本概念后分析了公务卡业务的管理特点如盈利、风险管理等。随后介绍了公务卡业务在黑龙江省建设银行发展的现状，深入分析了黑龙江省建设银行公务卡业务存在的各类问题。在深入研究外部环境的政策、经济、社会文化、技术、以及市场竞争和内部环境的财务、人力、技术资源分析的基础上提出了黑龙江省建设银行公务卡业务发展的总体原则和目标，最后从管理，市场营销，后续服务和配套设施管理等方面详细阐述了公务卡业务发展的策略，以期为黑龙江省建设银行公务卡业务的发展贡献一定的力量。
[Abstract]:The appearance of official card has a great influence on the financial settlement system of our country. Firstly, it changes the reimbursement mode of administrative institution, realizes the paperless settlement payment and electronic information transmission, and then realizes the dynamic monitoring of official expenditure. It has ensured the openness of public expenditure, effectively improved the level of financial management in our country and better served the people. As a modern payment tool, the public service card represents the direction of the future development of our country's financial payment. With the development of large state-owned banks, As a new joint-stock commercial bank and joint venture, the competition of foreign banks in bank card business is intensified, and the profit space of bank card faces a huge test. As a new bank card, public service card has broad development space. Naturally, it has become the focus of the development of banks. This paper compares the development of the business of official cards at home and abroad, takes the business of official cards of Heilongjiang Construction Bank as the research object, briefly introduces the basic concept of official cards, and analyzes the management characteristics of the business of official cards, such as profit, etc. Risk management and so on. Then it introduces the current situation of the development of official card business in Heilongjiang Construction Bank, and analyzes in depth the various problems existing in the business of official card business of Heilongjiang Construction Bank. Based on the analysis of social culture, technology, market competition and financial, human and technical resources of internal environment, this paper puts forward the general principles and objectives of the development of public service card business of Heilongjiang Construction Bank. Finally, from the aspects of management, marketing, The following service and supporting facilities management and so on elaborated the service card service development strategy in order to contribute certain strength to the Heilongjiang construction bank official card service development.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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