浦发银行开展电子商务金融服务的模式研究

发布时间：2018-03-23 08:49

本文选题：电子商务　切入点：模式研究　出处：《电子科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着电子商务的迅猛发展,各家商业银行都在积极借力电子商务平台,建设各具特色的银行电子商务。相比一般的电子商务企业,商业银行发展金融电子商务具有得天独厚的优势和典型特征。本文以浦发银行开展电子商务金融服务情况作为研究对象。作为一家有着20多年稳健经营发展史的全国股份制商业银行,浦发银行开展电子商务金融服务的发展历程和现状,顺应了信息技术和金融服务融合的发展趋势,又具备自身的发展特点,其金融电子商务服务模式具有一定的代表性。首先,本文简述了研究的背景、研究方法和主要创新点,并概述了电子商务的定义、分类,分析其发展现状及特征。进而,对比分析国内外商业银行金融电子商务的发展情况,研究电子商务在我国商业银行金融服务中存在的问题。针对浦发银行而言,通过分析其目前的电子商务金融服务现状,及电子商务模式应用对浦发银行产生的作用和影响,尝试对其电子商务模式进行分析,剖析相关风险点,并以研究结果为依据,提出电子商务在浦发银行金融服务中的策略建议。其中,本文将创新的构建出电子商务在浦发银行金融服务应用规范体系模型,该体系模型从管理、技术、业务三个维度进行体系描述,试对电子商务在浦发银行金融服务中的应用这一较新的业务领域,规划出规范的体系模型。通过以浦发银行个人手机支付业务这一实际业务示例,阐述该模型构建的现实意义。最后,本文将借助理论界已有的科学且严谨的电子商务模式评价体系,通过笔者汇总问卷调查所得的较为客观公正的量化评价,给出对浦发银行电子商业模式的综合量化指标。综合以上分析研究,从主观认识、持续发展、风险识别等三个方面提出策略建议,并提出了几项具体措施建议。唯有充分而深刻的认识到浦发银行金融电子商务模式的优势与风险,才能对其进行更加有效的管理,建立总体解决策略,整合资源及平台,实现更长足的、可持续的增速发展。
[Abstract]:With the rapid development of electronic commerce, each commercial bank is actively taking advantage of the electronic commerce platform to build different kinds of bank electronic commerce. The development of financial e-commerce by commercial banks has its unique advantages and typical characteristics. This paper takes the development of e-commerce financial services by shanghai development bank as the research object. As a company with more than 20 years of steady business development history. National joint-stock commercial banks, The development course and present situation of the development of financial services of Pudong Development Bank have complied with the development trend of the integration of information technology and financial services, and also have their own development characteristics, its financial e-commerce service model has certain representativeness. This paper briefly introduces the research background, research methods and main innovation points, and summarizes the definition, classification, development status and characteristics of electronic commerce. Furthermore, it compares and analyzes the development of financial electronic commerce of commercial banks at home and abroad. This paper studies the problems of electronic commerce in the financial services of commercial banks in China. According to the analysis of the current situation of the financial services of commercial banks in China, this paper analyzes the role and influence of the application of electronic commerce on the bank. This paper attempts to analyze its e-commerce model, analyze the relevant risk points, and, based on the results of the research, puts forward some strategic suggestions on the application of E-commerce in the financial services of Pudong Development Bank. In this paper, we will construct the system model of the application of E-commerce in the financial services of Pudong Development Bank, which describes the system from the three dimensions of management, technology and business. For the application of electronic commerce in the financial service of Pudong Development Bank, a relatively new business field, a standardized system model is developed. Through the practical business example of the personal mobile phone payment service of Pudong Development Bank, Finally, with the help of the existing scientific and rigorous evaluation system of electronic commerce model in the theoretical circle, the author summarizes the objective and fair quantitative evaluation obtained by the questionnaire survey. This paper gives the comprehensive quantitative index of the electronic business model of Pudong Development Bank, synthesizes the above analysis and research, and puts forward some strategic suggestions from three aspects: subjective understanding, sustainable development, risk identification, etc. Only by fully and deeply recognizing the advantages and risks of the financial e-commerce model of Pudong Development Bank, can we manage it more effectively, establish a general solution strategy, and integrate resources and platforms. To achieve greater, more sustainable growth.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6

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