山东省农村信用社电子银行业务发展对策研究

发布时间：2018-05-21 10:30

本文选题：农村信用社 + 电子银行　；参考：《山东大学》2012年硕士论文

【摘要】：伴随着信息化和经济全球化的进程,金融业正在经历着前所未有的创新与变革。作为最重要的金融创新之一,电子银行凭借其在降低经营成本、丰富金融产品及功能、提升客户满意度、拓宽收入来源等方面的突出优势,日益成为现代化银行的核心竞争力,成为银行发展的重要战略目标之一。在电子银行业务创新浪潮冲击下,银行业正逐步从依靠实体网点发展模式向依靠实体网点和电子银行渠道并行的发展模式转变,从砖墙式的有形网点向无时空限制的虚拟网点经营转变,并带动管理方式、盈利模式、队伍结构的深刻转变。电子银行日新月异的发展对银行业产生了革命性影响,不仅为银行带来更多回报,更为重要的是为客户创造了更多价值,为银行与客户搭建了更好的互动平台,实现了银行与客户“双赢”。近年来,我国电子银行业务呈现快速发展的良好势头,在为客户提供快捷高效服务、分流柜面压力、降低经营成本、拓宽收入来源等方面具有较大优势,成为产品创新和服务创新的重要平台和载体。目前,国内外银行业和金融理论界对电子银行业务发展的研究日趋成熟,主要集中在电子银行业务运营模式、组织管理体系、市场定位、产品创新、风险防控、市场营销等方面。但是我国农村信用社等传统地方性金融机构信息化建设相对滞后,电子银行业务发展和产品创新与先进银行相比还有较大差距,在电子银行业务运营模式、发展策略、市场定位、风险控制、市场营销、品牌建设等方面研究较少,有的领域还是空白。本文以山东省农村信用社电子银行业务发展为研究对象,在借鉴同行业成功经验基础上,结合业务发展实际,运用竞争优势理论、市场营销理论、市场细分理论和SWOT分析模型,对发展电子银行业务的优势、劣势、机遇、挑战进行全面分析,提出了构建符合自身特点的组织管理、产品研发、风险防控、市场营销、客户服务、业务管理等六大体系,以及加快推进电子银行业务发展的工作思路和措施。
[Abstract]:With the process of information and economic globalization, the financial industry is experiencing unprecedented innovation and change. As one of the most important financial innovations, electronic banking has become the core competitiveness of modern banks because of its outstanding advantages in reducing operating costs, enriching financial products and functions, enhancing customer satisfaction and broadening revenue sources. It has become one of the important strategic goals for the development of banks. Under the impact of the innovation wave of electronic banking business, the banking industry is gradually changing from relying on the development model of entity network to relying on the parallel development mode of entity network and electronic banking channel. From the brick-wall type of visible network to the virtual network without space-time restriction, and drive the management mode, profit model, team structure of the profound changes. The rapid development of electronic banking has a revolutionary impact on the banking industry, not only for the bank to bring more returns, more important is to create more value for customers, for banks and customers to build a better platform for interaction, The bank and the customer realize "win-win". In recent years, China's electronic banking business has shown a good momentum of rapid development, in providing fast and efficient services for customers, diverting counter pressure, reducing operating costs, broadening revenue sources and other aspects have a great advantage. Become the important platform and carrier of product innovation and service innovation. At present, the domestic and foreign banking and financial theorists' research on the development of electronic banking business is becoming more and more mature, mainly focusing on the electronic banking business operation mode, organization and management system, market positioning, product innovation, risk prevention and control. Marketing and other aspects. However, the information construction of traditional local financial institutions such as rural credit cooperatives in China lags behind, and the development of electronic banking business and product innovation still lags behind those of advanced banks. Market positioning, risk control, marketing, brand building and other aspects of research, some areas are blank. This paper takes the electronic bank business development of Shandong rural credit cooperatives as the research object, based on the successful experience of the same industry, combined with the actual business development, using the competitive advantage theory, marketing theory, market segmentation theory and SWOT analysis model. This paper comprehensively analyzes the advantages, disadvantages, opportunities and challenges of developing electronic banking business, and puts forward six systems, such as organization management, product research and development, risk prevention and control, marketing, customer service, business management, etc. And to speed up the development of electronic banking business thinking and measures.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】