电子商务在商业银行的应用研究

发布时间：2018-02-27 07:15

本文关键词： 电子商务商业银行影响应用　出处：《江西财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：在经济全球化的背景下,国内外的金融环境发生了日新月异的变化,而银行业作为金融体系的主体面临着严峻的挑战。客户对金融产品的多样性、金融服务的快捷性和舒适性提出了更高的需求;同时,银行对企业内部组织管理的安全性和高效性也提出来更高的要求。互联网技术和信息通信技术的发展催生了电子商务的产生,相比传统柜面式的银行业务,电商数字化、电子化的商务流程的,不仅使交易活动从空间、时间的限制中解脱出来,得以全天候、跨地域化进行,使得交易的效率大大的提高,还实现了各种成本如人力、物力等的有效管理控制,自此,银行业的业务模式和客户关系,均发生了颠覆性的改变。通过理论探讨、案例研究的方法,本课题首先介绍了电子商务的概念和发展历程;然后通过电子商务与传统银行服务模式的优劣对比,阐述电子商务对银行的影响和发展必然;最后从实证的角度,研究了招商银行在电子商务发面的发展建树以及电子商务平台存在的问题,最后提出了一些自己的建议。
[Abstract]:Under the background of economic globalization, the financial environment at home and abroad has changed with each passing day, and the banking industry, as the main body of the financial system, is facing severe challenges. The rapidity and comfort of financial services present a higher demand; at the same time, Banks also put forward higher requirements for the security and efficiency of internal organization and management. The development of Internet technology and information communication technology has spawned the emergence of electronic commerce. Compared with the traditional tell-counter banking business, e-commerce business is digitized. The electronic business process not only frees the trading activities from the limitation of space and time, but also makes the transaction more efficient, and realizes all kinds of costs such as manpower. The effective management and control of material resources, since then, the banking business model and customer relations, have undergone subversive changes. Through theoretical discussion, case study methods, this topic first introduced the concept and development of e-commerce; Then, by comparing the advantages and disadvantages of E-commerce and traditional banking service mode, this paper expounds the influence and development of E-commerce on banks; finally, from the perspective of empirical analysis, This paper studies the development and achievement of China Merchants Bank in E-commerce and the problems existing in E-commerce platform. Finally, some suggestions are put forward.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.33

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