南京银行电子业务发展模式及效益研究

发布时间：2018-01-02 14:19

本文关键词：南京银行电子业务发展模式及效益研究　出处：《南京农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：在互联网发展日趋成熟和电子商务迅猛发展的今天,电子银行作为一种重要的金融服务渠道越来越受到人们的重视,电子银行越来越普及,越来越多的用户开始使用电子银行的产品和服务。我国商业银行发展的重点和大势所趋之一便是大力发展电子银行。南京银行作为一家城市商业银行如何在各大行的电子银行业务发展中异军突起,开拓一条符合自己经营特色的电子银行发展道路,是南京银行在未来发展中面对的一个重要课题。本文首先回顾国内外关于电子银行发展的文献,进行文献综述,在此基础上,指出电子银行蓬勃的发展趋势、存在的问题及发展的作用,通过文献概述指出发展电子银行对城市商业银行发展的重要作用。这些文献对国内外的金融机构发展电子银行具有参考作用,同时这些文献大部分是研究国有银行或大型股份制商业银行的电子银行的发展,针对城市商业银行的研究大多停留在传统业务的阶段,鲜有针对我国城市商业银行的电子银行的特点及其独特性,指出发展电子银行城市商业银行发展电子银行的情况。本文首先对现有的商业银行电子银行业务的发展模式进行借鉴,分析和总结了国外电子银行的发展现状、模式和经验借鉴,并对国内电子银行发展的模式进行总结分析,这些发展情况和特点以及开展情况值得城市商业银行学习,强调电子银行的发展对城市商业银行的意义所在。其次本文对南京银行电子银行的发展模式进行分析,包括南京银行电子银行如网上银行、手机银行、电话银行、短信银行、自助银行的发展现状,南京银行将电子银行作为传统银行的内部机构这一发展模式,指出南京银行电子银行在发展过程中存在的优势与不足。接着本文对南京银行电子银行的发展效益进行分析,主要包括基础业务和创新业务,其业务总体发展势头良好,在近几年发展迅猛,交易量与交易数额都得到了飞速发展,为南京银行取得了可喜的盈利。其中,在发展模式方面,南京银行电子业务的起步时间较晚,业务发展速度有待加强。但南京银行的网上银行业务功能多样,服务完善,用户满意度较高。手机银行方面,基本上能够涵盖大部分手机版本,具有多样化的功能,满足了客户随时、随地的便捷服务要求。在电话银行服务方面有待加强,服务类型需要多样化。南京银行电子业务效益评价中发现：网上银行中企业网银的增长速度要快于个人网银,个人网银中的代缴费功能由于操作不够便捷,交易金额呈现下降趋势。在来电对人工坐台进行咨询中,电子银行业务所占比重较大,其次是个人业务和贷记卡业务,对公司业务的咨询量最少。自助银行的每单交易金额2013年后有所改善,短信银行的客户使用量较多,需要继续进行发掘。本文进一步对南京银行电子银行业务的市场占比进行了分析,南京银行发展良好,其电子业务在其全部业务中占有度高,且在今后的发展中注意拓展业务、产品、市场和客户,将为南京银行带来更多的利润。最后本文对文章的全部内容进行全面梳理,得出结论并提出相关的政策建议。
[Abstract]:The development of the rapid development of increasingly mature and electronic commerce in the Internet today, electronic banking as an important financial service channel has attracted more and more attention, electronic banking is becoming more and more popular, more and more users begin to use electronic banking products and services. One of the key and represent the general trend of development of commercial banks in China is to develop the electronic the bank. The Bank of Nanjing as a city commercial bank in the major line of electronic banking business development A new force suddenly rises. a development path in line with the development, electronic banking their operating characteristics, is an important topic facing the Bank of Nanjing in the future development. This paper firstly reviews the literature about the development of electronic banking, literature review, on this basis, pointed out that the rapid development trend of electronic banking, existing problems and development, through the literature OverviewThe pointed out An important role in the development of electronic banking on the development of city commercial banks. The development of electronic banking financial institutions to the literature at home and abroad as a reference, and most of these documents is the development of electronic banking of state owned banks or large joint-stock commercial banks, according to the research of City Commercial Banks mostly stay in the traditional business stage, few characteristics in view of China's City Commercial Bank's electronic banking and the unique development of electronic banking, it is pointed out that the development of city commercial banks electronic banking situation. Firstly, the development model of the existing commercial bank electronic banking business for reference, analyzes and summarizes the development status of foreign electronic banking, modes and experience, and the development of domestic electronic the bank's model were analyzed, the development situation and characteristics and development of city commercial banks is worth learning, strong The development of electronic banking regulation of city commercial banks. Then the paper analyzes the significance of the development mode of Nanjing electronic banking, including the Bank of Nanjing electronic banking such as online banking, mobile phone banking, telephone banking, SMS banking, the current situation of the development of self-service banking, the Bank of Nanjing electronic banking as the internal mechanism of the development of traditional banking model, points out the existing in the development of Nanjing's electronic banking advantages and disadvantages. Then this paper analyzes the development efficiency of Nanjing electronic banking, mainly including the basic business and create new business, its business overall good momentum of development, in recent years the rapid development, trading volume and transaction amount has made rapid development. Made gratifying profits for the Bank of Nanjing. Among them, in the mode of development, the Bank of Nanjing electronic business started late, the pace of development of business needs But the Bank of Nanjing. To strengthen the online banking functions, perfect service, customer satisfaction is high. Mobile phone bank, basically can cover most of the mobile phone version, has a variety of functions, to meet customer service requirements at any time, anywhere convenient. In the telephone banking service needs to be strengthened and diversified service needs. The Bank of Nanjing found the evaluation type electronic business benefits: Internet Banking Companies in the net growth rate is faster than personal online banking, payment of personal banking function because the operation is not convenient, the transaction amount decreased. In the call for consultation in artificial electronic banking platform, accounted for a larger proportion, followed by personal and business credit card business consulting the amount of the company's business. At least 2013 per transaction amount of self-service banking after improved, SMS banking customers use amount is more, need Continue to explore the market in Nanjing. This paper further electronic banking business accounting are analyzed, and development of the Bank of Nanjing is good, the electronic business occupies a high degree in all of its business, and in the future development of attention to expand the business, products, markets and customers, will bring more profits to the Bank of Nanjing at the end of this paper. All the contents of the paper are systematically, draws the conclusion and puts forward relevant policy suggestions.

【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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