PF银行长春分行电子银行业务发展策略研究

发布时间：2018-02-05 03:42

本文关键词： PF银行长春分行电子银行发展策略　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：当今社会是个信息化高速发达的社会,网络科技成了国民发展的动力,技术也不断革新,各大商业银行的主要发展方向就是电子银行业务的发展,它决定了国内外银行竞争的优劣势。电子银行业成了各大商业银行的主要金融工具。商业银行利用电子银行便捷的营销模式,进行综合性的营销服务,打造核心竞争力的银行。中国电子银行业连续几年快速增长,已经逐步成为各大商业银行的主营业务渠道,给商业银行拓展金融服务领域,提高银行核心竞争力,加快银行业务创新,降低银行经营成本和服务成本,减轻柜面服务压力,扩大银行利润空间,提高银行影响力等很多方面带来了巨大的改变。作为唯一能够覆盖隐含全部产品和客户渠道产品的业务种类,电子银行业务的发展实力强弱,直接决定了现代商业银行竞争能力的强弱,所以大力拓展电子银行业务,拓宽业务渠道,创新银行业务和管理,加强风险防控,促进电子银行安全、高效、稳健的发展成了重中之重。本论文联系实际,提出阐述了PF银行长春分行的业务发展现状,发展中存在的问题,及形成问题的成因,并运用了多种方法,如文献综合分析法、环境分析和SWOT分析法,定性和定量分析法,通过阅读大量与时俱进的文献,研究内部综合数据,紧紧围绕PF银行长春分行电子银行业务的发展现状,总结国内外电子银行研究现状,学习研究国内外银行营销方式,提出PF银行长春分行电子银行金融业务的发展战略选择与实施对策。希望本文提出的战略选择与实施,对电子银行业务风险进行有效防范,能探索出一条适合PF银行长春分行电子银行业务的稳健安全发展之路,也能为PF银行长春分行电子银行金融业务打造属于自己的银行品牌有所帮助。
[Abstract]:Nowadays, the society is a society with rapid development of information technology, network science and technology has become the driving force of national development, technology is constantly innovating, the main direction of development of major commercial banks is the development of electronic banking business. It determines the advantages and disadvantages of the competition of domestic and foreign banks. Electronic banking has become the main financial tools of the major commercial banks. Commercial banks use the convenient marketing model of electronic banks to carry out comprehensive marketing services. China's electronic banking industry has grown rapidly for several years and has gradually become the main business channel of major commercial banks to expand the field of financial services for commercial banks. To improve the core competitiveness of banks, accelerate the innovation of banking business, reduce the operating costs and service costs of banks, reduce the pressure on counter service, and expand the profit space of banks. As the only kind of business that can cover all implicit products and customer channel products, the development of electronic banking business is strong and weak. Directly determine the strength of the competitiveness of modern commercial banks, so vigorously expand electronic banking business, broaden business channels, innovative banking business and management, strengthen risk prevention and control, promote electronic banking security and efficiency. The steady development has become the most important. This paper puts forward the development status quo of Changchun Branch of PF Bank, the problems existing in the development, and the causes of the problems, and uses a variety of methods. Such as literature comprehensive analysis, environmental analysis and SWOT analysis, qualitative and quantitative analysis, through reading a large number of documents with the times, to study the internal comprehensive data. Closely around PF Bank Changchun Branch of the development of electronic banking business, summed up the current situation of domestic and foreign electronic banking research, learn to study the domestic and foreign banking marketing methods. This paper puts forward the development strategy choice and implementation countermeasure of the electronic banking financial business in Changchun Branch of PF Bank. I hope that the strategy choice and implementation proposed in this paper can effectively prevent the risks of electronic banking business. It can explore a stable and safe way to develop the electronic banking business of Changchun branch of PF Bank, and can help to build its own bank brand for the financial business of Changchun Branch of PF Bank.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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