吉林蛟河农村商业银行发展“三个小伙伴”业务研究

发布时间：2018-05-02 13:37

本文选题：吉林蛟河农村商业银行 + 三个小伙伴　；参考：《吉林财经大学》2017年硕士论文

【摘要】：近年来,电子商务的蓬勃发展催生了越来越多的金融需求,互联网金融异军突起,冲击传统银行企业。与此同时,随着利率的市场化传统银行间的竞争越来越激烈,如何借助互联网拓展新的盈利渠道,实现战略转型成为传统银行企业亟待破解的难题。其中发展电子商务平台(以下简称“电商平台”)业务无疑是破解上述难题的重要渠道。本文梳理了国内外关于电商平台的研究现状及成果,同时介绍了电商平台的相关概念。在此基础上以吉林蛟河农村商业银行“三个小伙伴”业务为研究对象,介绍了“三个小伙伴”业务的内容、功能及发展现状,深入剖析了“三个小伙伴”业务存在的问题。其问题主要集中在商品及服务种类、用户体验、安全风险、平台影响力等方面。并在分析成因的基础上进一步提出蛟河农商银行进一步发展“三个小伙伴”业务的思路与措施。总体思路是明确发展战略,重视人才培养,强化风险意识,走品牌化发展战略等,具体的发展措施是加大金融功能创新,提升平台客户体验,培养和引入电商人才,加大营销力度,加强风险防控,扩大企业合作等。以期通过上述分析为吉林蛟河农村商业银行发展“三个小伙伴”业务提供理论支持,给其他商业银行发展电商平台业务提供借鉴。
[Abstract]:In recent years, the booming development of electronic commerce has given birth to more and more financial demand. At the same time, with the interest rate marketization of traditional banks more and more fierce competition, how to use the Internet to expand new profit channels to achieve strategic transformation has become a difficult problem for traditional banking enterprises to solve. The development of e-commerce platform (hereinafter referred to as "e-commerce platform") business is undoubtedly an important channel to solve the above problems. In this paper, the research status and achievements of ecommerce platform at home and abroad are reviewed, and the related concepts of ecommerce platform are introduced. On this basis, taking the "three small partners" business of Jiaohe Rural Commercial Bank of Jilin Province as the research object, this paper introduces the contents, functions and development status of the "three small partners" business, and deeply analyzes the problems existing in the "three small partners" business. The problems mainly focus on the types of goods and services, user experience, security risks, platform influence and so on. On the basis of analyzing the cause of formation, the paper puts forward the ideas and measures of Jiaohe Agricultural Commercial Bank to further develop the business of "three small partners". The overall idea is to make clear the development strategy, attach importance to talent training, strengthen the risk consciousness, take the brand development strategy, and so on. The specific development measures are to increase the innovation of financial function, enhance the platform customer experience, train and introduce electric businessman talent, etc. Increase marketing efforts, strengthen risk prevention and control, and expand enterprise cooperation. The purpose of this paper is to provide theoretical support for the development of "three small partners" business of Jiaohe Rural Commercial Bank in Jilin Province, and to provide reference for other commercial banks to develop e-commerce platform business.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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