哈尔滨银行网上银行业务发展战略研究

发布时间：2018-04-03 01:30

本文选题：哈尔滨银行　切入点：网上银行业务　出处：《哈尔滨工程大学》2012年硕士论文

【摘要】：随着我国信息产业和高端网络技术的飞速发展,越来越多的金融机构推出了网上银行业务,城市商业银行的网银业务虽然起步较晚，但网银用户、网银交易额、业务量等各种指标却不断的增加。网上银行作为一种新的金融服务方式在发展及稳定客户、提高服务效率、增强市场竞争力和加强业务开拓能力，为银行业务发展和改革，降低成本，等多方面发挥着越来越重要的作用。本文以哈尔滨银行网上银行业务为研究对象，首先在对哈尔滨银行网上银行的组织结构、管理体系、产品状况、市场状况和营销状况进行分析的基础上，对哈尔滨银行网上银行业务发展的优劣势进行了分析，从而得出哈尔滨银行网上银行发展的内部环境因素；接着对哈尔滨银行网上银行业务发展的宏观环境、行业发展状况、竞争者情况等方面的外部情况进行了分析，得出了哈尔滨银行网上银行发展的外部机会和威胁因素；再次，，结合内外部环境分析的基础上，提出了哈尔滨银行网上银行发展的总体战略的选择，并对战略进行分解，提出战略实施的保障措施，为哈尔滨银行的成长与发展提供一定的参考和借鉴。这一系列的战略指定的过程与方法也将会对其他的城市商业银行网上银行的发展战略的制定起到一定的借鉴作用，从而推动其自身的成长与发展。
[Abstract]:With the rapid development of information industry and high-end network technology in China, more and more financial institutions have launched online banking business.Business volume and other indicators are constantly increasing.As a new way of financial service, Internet banking is developing and stabilizing customers, improving service efficiency, enhancing market competitiveness and strengthening business development ability, so as to develop and reform banking business and reduce costs.And so on many aspects are playing a more and more important role.In this paper, Harbin Bank online banking business as the research object, first of all, on the basis of the analysis of Harbin Bank online banking organization, management system, product status, market situation and marketing situation.This paper analyzes the advantages and disadvantages of the development of the online banking business of Harbin Bank, and concludes the internal environmental factors of the development of the online banking business of the Bank of Harbin; then, the macro environment and the industry development of the development of the online banking business of the Bank of Harbin Bank are analyzed.The external situation of competitors and other aspects are analyzed, and the external opportunities and threat factors for the development of online banking in Harbin Bank are obtained. Thirdly, based on the analysis of internal and external environment,This paper puts forward the selection of the overall strategy for the development of Harbin Bank online Bank, decomposes the strategy, and puts forward the safeguard measures for the implementation of the strategy, which provides a certain reference and reference for the growth and development of Harbin Bank.The process and method of this series of strategic designation will also play a certain reference role in the formulation of the development strategy of other urban commercial banks' online banking, thus promoting their own growth and development.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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