甘肃农信社电子银行业务发展策略研究

发布时间：2018-05-01 22:27

本文选题：电子银行业务 + 甘肃农信社　；参考：《兰州大学》2015年硕士论文

【摘要】：随着经济全球化和信息技术的快速发展,商业银行提供的金融产品不断推陈出新,金融电子化需求日新月异。电子银行在商业银行经营转型中发挥了重要作用,推动了商业银行服务渠道、经营模式和产品创新,电子银行产品成为未来改变客户竞争格局的战略性产品,电子银行业务成为商业银行核心竞争力的重要体现。因此,深入开展电子银行业务研究,准确把握电子银行发展方向,才能在市场竞争中赢得先机,掌握主动。甘肃省农村信用社(以下简称“甘肃农信社”)作为甘肃省内资产规模最大的银行业金融机构,由于管理体制、经营机制等历史原因,电子银行业务发展还处于起步阶段,产品同质化程度高,市场竞争力不足,没有形成品牌效应,电子银行业务柜面替代率低。为充分发挥电子银行业务优势,提升核心竞争力,发展电子银行业务是甘肃农信社的必然选择。本文以电子银行业务相关理论基础知识为依据,以甘肃农信社电子银行业务为研究对象,首先对甘肃农信社电子银行业务发展现状进行了综合分析和深入研究,指出了电子银行业务存在的主要问题,分析了问题形成的原因。其次,借鉴国内外电子银行业务发展经验,提出了甘肃农信社电子银行业务发展的产品、渠道、价格、营销和服务等“五大策略”。最后,借助充分的数据资料和作者多年的金融从业经验,有针对性地提出了实现甘肃农信社电子银行业务发展策略需要建立和完善的“六项保障”措施,为实现电子银行业务跨越发展,打造具有农信社特色的电子银行业务发展之路提供了有益的参考和借鉴。
[Abstract]:With the rapid development of economic globalization and information technology, the financial products provided by commercial banks are constantly innovating and the demand for financial electronization is changing with each passing day. Electronic banking has played an important role in the transformation of commercial bank management, and has promoted commercial bank service channels, business models and product innovation. Electronic banking products have become strategic products that will change the pattern of customer competition in the future. Electronic banking business has become an important embodiment of the core competitiveness of commercial banks. Therefore, in order to win the first chance and master the initiative in the market competition, we should carry out the research of electronic banking business deeply and grasp the development direction of electronic bank accurately. Gansu Rural Credit Cooperatives (hereinafter referred to as Gansu Rural Credit Cooperative), as the largest banking financial institution in Gansu province, is still in its infancy because of historical reasons such as management system and management mechanism. Product homogenization is high, market competitiveness is insufficient, no brand effect is formed, electronic banking counter substitution rate is low. In order to give full play to the advantages of electronic banking business and enhance the core competitiveness, the development of electronic banking business is the inevitable choice of Gansu Rural Credit Society. Based on the basic theory of electronic banking and the research object of Gansu Rural Credit Cooperative Electronic Bank, this paper firstly makes a comprehensive analysis and in-depth study on the present situation of Gansu Rural Credit Cooperative Electronic Bank. This paper points out the main problems existing in the electronic banking business and analyzes the causes of the problems. Secondly, referring to the experience of electronic banking development at home and abroad, this paper puts forward the "five strategies" for the development of electronic banking business in Gansu Rural Credit Cooperative, such as products, channels, prices, marketing and services. Finally, with the help of sufficient data and the author's financial experience for many years, this paper puts forward the "six safeguard" measures to realize the development strategy of electronic bank of Gansu Rural Credit Society, which need to be established and perfected. It provides useful reference and reference for realizing the leapfrogging development of electronic banking business and creating the development road of electronic banking business with the characteristics of rural credit cooperatives.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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