常熟农商银行电子银行业务的发展研究

发布时间：2018-07-10 19:30

本文选题：区域银行 + 金融服务　；参考：《吉林大学》2017年硕士论文

【摘要】：随着金融业和电子商务的兴起,电子金融这几年呈现蓬勃发展之势,各大商业银行也越来越重视银行业务的电子商务化,大量的新客户应运而生,对电子银行的多层需求不断扩大。但目前的商业银行,特别是在金融改革的洪流中区域化的中小商业银行电子银行业务发展缓慢,服务单一,远不能满足县域人们日益增长的银行业务需求。面对内忧外患,中小商业银行未来的路怎么走?本文就以常熟农商银行而言,深入剖析电子银行业务的发展,有针对性的提出未来发展的方向,常熟农商银行能否在此环境中保持区域竞争力,电子银行化改革迫在眉睫。如何提高区域银行的竞争能力?我们发现在解决过程中存在的效率、成本、服务质量、硬件能力等诸多方面的问题,面对激烈的市场竞争和形形色色的先进的互联网电子银行,区域化商业银行往往感到无从下手也力不从心,这里面包括银行和银行,银行和第三方互联网支付公司,银行和消费者等错综复杂的关系。在这些问题面前我们是不是束手无策了呢?显然不是,中国人在现代技术的发展中向来善于借鉴和改进,外资银行有一套精益的管理理念、科学的方法与理论,他们在电子银行业务方面早于我们,优于我们,另外在本国内第三方支付公司凭借着自身先进的社交圈逐渐改变了人们的生活习惯和支付方式,他们有着灵活多变的反应速度,更贴近于市场,较为快速的蚕食着银行的电子银行业务。银行业虽然多年来积攒了一定的资源,但已深陷危机。本文认为各商业银行应着手于在现有基础上,以解决客户金融需求为发展动力,离市场近点,靠消费者近点,在不失去本行业优势的前提下快速准确的提供可持续发展的电子银行工具、金融方法与管理思想。充分改革消费者的金融生活习惯,增加客户的体验度。其实我们也不需要什么事都从头开始,只要能在现状上务实地改善,一步一步,持之以恒,积少成多,其成就将是惊人的。而互联互通的今天,电子金融本身的特点是具有可模仿性却不具有可复制性,也正是其独特性加之银行老大哥的反应缓慢,这样也就成就了许多电子商业公司,逐渐在市场竞争中占据了一席之地。所以任何一家银行的电子银行业务都可以有自己的特色,向着其本身企业文化的方向而发展,并且可以将他作为企业发展战略的一部分。因此,在研究好当今国内外电子银行业务环境下,可积极引进吸收国内电子商业公司的技术优点,并根据本行的环境特点加以本土化的灵活升级,最终通过市场检验不断完善才能取得较为理想的效果,常熟农商电子银行作为区域金融的佼佼者,改革势在必行,但在发展中面临着很多的问题,本文深入分析以科学发展的态度希望能对区域化中小银行电子金融化业务的理论研究做一点现实的指导意义。
[Abstract]:With the rise of the financial industry and electronic commerce, electronic finance has been developing vigorously in recent years. The major commercial banks also pay more and more attention to the e-commerce of the banking business, and a large number of new customers emerge as the times require. The multi-tier demand for e-banking continues to grow. However, the current commercial banks, especially the regional small and medium-sized commercial banks in the current flood of financial reform, slow development of electronic banking services, the service is single, far from meeting the growing needs of the county people's banking business. In the face of internal and external problems, small and medium-sized commercial banks in the future how to go? In this paper, as far as Changshu Agricultural and Commercial Bank is concerned, the development of electronic banking business is deeply analyzed, and the direction of future development is pointed out. Whether Changshu Agricultural and Commercial Bank can maintain regional competitiveness in this environment, the reform of electronic banking is imminent. How to improve the competitiveness of regional banks? We found that in the process of solving the problems of efficiency, cost, service quality, hardware capability and so on, facing fierce market competition and various kinds of advanced Internet electronic banking, Regional commercial banks often feel powerless and powerless, including banks and banks, banks and third-party Internet payment companies, banks and consumers and other intricate relationships. Are we helpless in the face of these problems? Obviously not. The Chinese have always been good at learning and improving in the development of modern technology. Foreign banks have a set of lean management concepts, scientific methods and theories. They are ahead of us in electronic banking business and are superior to us. In addition, third-party payment companies in their own countries have gradually changed people's living habits and payment methods by virtue of their own advanced social circle. They have a flexible and changeable reaction speed and are closer to the market. More quickly eroding the bank's electronic banking business. Although the banking industry has accumulated some resources over the years, but has been in deep crisis. This paper believes that commercial banks should start on the basis of the existing, to solve the financial needs of customers for the development of power, close to the market, close to consumers, Provide sustainable electronic banking tools, financial methods and management ideas quickly and accurately without losing the advantages of the industry. Fully reform consumer's financial life habits, increase customer's experience degree. In fact, we do not need anything from scratch, as long as we can pragmatically improve the status quo, step by step, perseverance, add up, its achievements will be amazing. In today's interconnected world, electronic finance is characterized by its imitability but not its reproducibility. It is its uniqueness and the slow response of the big brother of the bank that has led to the success of many electronic commercial companies. Gradually took a place in the market competition. Therefore, any bank's electronic banking business can have its own characteristics and develop towards its own corporate culture, and it can be regarded as a part of the enterprise development strategy. Therefore, under the current domestic and foreign electronic banking business environment, we can actively introduce and absorb the technical advantages of domestic electronic commercial companies, and according to the environmental characteristics of our bank, we can make a flexible upgrade of localization. Finally, through market test, we can get more ideal results. As the leader of regional finance, Changshu Agricultural Commercial Electronic Bank is imperative to reform, but it faces a lot of problems in its development. This paper makes a deep analysis of the scientific development attitude and hopes to make some practical guiding significance for the theoretical research of electronic financialization of regional small and medium-sized banks.
【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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