中国银行网络金融业务研究

发布时间：2018-06-03 08:14

本文选题：网络金融 + 中银E贷　；参考：《内蒙古大学》2017年硕士论文

【摘要】：我国在网络推广及移动通信技术的支持下,网络金融得到了快速的发展。作为一种新的金融模式,网络金融成为了金融业发展的新趋势。在这种新的经营模式下,中国银行的网络金融业务也面临着更多的机遇和挑战,这就要求转变传统的经营理念,更新发展思路,面对来自互联网领域的冲击和挑战,以更为开放和主动的姿态,不断创新、谋求变革,逐渐将业务向互联网邻域发展和延伸。本文主要对中国银行在网络金融发展中存在的问题进行了深入的分析,指出中国银行网络金融问题主要是:互联网金融对于中国银行在支付业务、存款、理财、银行贷款业务方面的冲击,同业之间对网络金融业务展开的激烈的市场争夺,客户对网络金融业务由于不熟悉而导致的网络金融产品的使用率不高,缺乏专业的多层次的网络金融人才,没有具有地域特色的网络金融产品,经营理念和思路未能跟上业务转型的步伐,产品的推广力度不够强等方面展开了阐述,并对这些问题产生的原因进行了分析,主要是对传统经营模式的依赖,宣传和营销的力度不够,企业内控合规文化的影响等因素造成了中国银行网络金融发展所遇到的问题。在对产生问题分析的基础上,提出了中国银行在网络金融业务发展中的策略研究,主要是结合中国银行总行的网络金融业务发展策略,转变和更新发展思路,充分认识网络金融是未来银行业的发展方向,培养具有多层次的专业人才,加强网络金融产品的推广和宣传力度,以产品为抓手,如中银E贷,养老宝,校园缴费宝,出国金融服务等网络金融APP,提升中国银行的网络金融产品的市场占有率,从而推动网络金融业务的发展。
[Abstract]:With the support of network promotion and mobile communication technology, network finance has developed rapidly in China. As a new financial model, network finance has become a new trend of financial development. In this new business model, the network financial business of Bank of China is also facing more opportunities and challenges, which requires changing the traditional business philosophy, updating development ideas, facing the impact and challenges from the Internet field. With a more open and active attitude, constantly innovating, seeking for change, the business will gradually develop and extend to the Internet neighborhood. This paper mainly analyzes the problems existing in the development of bank of China's network finance, and points out that the main problems of bank of China's network finance are: Internet finance for the bank of China in the payment of business, deposits, financial management, The impact of the bank loan business, the fierce market competition between the banks for the network finance business, and the low utilization rate of the network financial products caused by the customers' unfamiliar with the network finance business. The lack of professional multi-level network finance talents, the absence of network financial products with regional characteristics, the failure of business concepts and ideas to keep up with the pace of business transformation, the lack of strong promotion of products, etc. The causes of these problems are analyzed, which are mainly the dependence on the traditional management mode, the lack of propaganda and marketing, the influence of corporate internal control compliance culture and other factors, which have caused the problems encountered in the development of China's banking network finance. Based on the analysis of the problems, the paper puts forward the strategy research of Bank of China in the development of network finance business, which mainly combines with the development strategy of the bank of China's network finance business, and changes and updates the development ideas. Fully understand that network finance is the future development direction of the banking industry, train professionals with multiple levels, strengthen the promotion and publicity of network financial products, take products as the starting point, such as Bank of China E loan, endowment treasure, campus payment treasure, Overseas financial services and other network finance APP enhance the market share of network financial products of Bank of China, thus promote the development of network finance business.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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