我国商业银行网上银行发展对策研究

发布时间：2018-01-31 16:51

本文关键词： 商业银行网上银行对策研究　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：上世纪90年代以来,随着Internet在全球范围的普及,以柜台为主的传统商业银行经营模式已逐渐无法适应广大客户的需求。作为一种新的银行经营模式,网上银行将商业银行传统业务与互联网相结合,实现了全天候24小时的不间断全方位服务。网上银行以其便捷、强大的特性,有效填补了传统银行受各种限制无法或不便涉足相关业务的空白。因此,拓展网上银行业务成为现代商业银行业发展的必然趋势。自1998年我国招商银行推出“一网通”网上银行服务至今,国内各大商业银行不断推进自身网上银行发展,我国网上银行规模获得迅速扩张,业务功能不断革新,竞争优势日益凸显。但是,受到源于内部和外部(如第三方支付平台)等诸多因素的影响,国内商业银行网上银行发展存在有待完善之处。在当前日新月异的技术进步和商业银行发展战略转型的背景下,如何顺应外部形势和内部要求,采取合理、有效的对策促进网上银行发展,实现互联网金融时代综合竞争力不断提升的目标,成为我国商业银行亟待解决的重要课题。本研究以我国商业银行网上银行为研究对象,首先阐述网上银行的外部性、竞争优势和规模经济效应等相关理论；其次,通过丰富的时效性数据,以图、表形式分析现阶段我国商业银行网上银行的发展现状,重点剖析其发展过程中存在的主要问题,如业务同质化严重、功能创新不足、营销模式单一化现象突出、服务能力和品质有待提高等；然后,全面考察国外商业银行网上银行和第三方支付平台发展,归纳总结出两者成功运作的有益经验；最后,研究提出了促进我国商业银行网上银行发展的一系列针对性对策。
[Abstract]:Since -10s, with the popularity of Internet in the world. The traditional business model of commercial bank, which is based on counter, has been unable to meet the needs of customers. As a new bank management mode, Internet bank combines the traditional business of commercial bank with the Internet. Internet banking, with its convenient and powerful characteristics, effectively fills the gap that traditional banks are unable or inconvenient to get involved in related business by various restrictions. Expanding online banking business has become the inevitable trend of the development of modern commercial banking. Since 1998, China Merchants Bank launched "one Netcom" online banking services, domestic commercial banks continue to promote their own online banking development, China's online banking scale has been rapid expansion. The business function is constantly innovating and the competitive advantage is increasingly prominent. However, it is influenced by many factors, such as internal and external (such as third-party payment platform). The development of domestic commercial banks online banking needs to be improved. In the context of the rapid technological progress and the strategic transformation of commercial banks, how to adapt to the external situation and internal requirements, take reasonable. Effective countermeasures to promote the development of Internet banking, to achieve the goal of improving the comprehensive competitiveness of the Internet financial era, has become an important issue to be solved urgently by commercial banks in our country. This research takes the commercial bank of our country as the research object, first of all, expounds the related theories, such as the externality, competitive advantage and scale economy effect of the online bank; Secondly, through the rich timeliness data, the paper analyzes the current situation of the development of China's commercial banks online banking, focusing on the main problems in the process of development, such as the serious business homogeneity. The function innovation is insufficient, the marketing mode is single and the service ability and quality need to be improved. Then, the development of foreign commercial bank online banking and third-party payment platform is comprehensively investigated, and the useful experience of successful operation is summarized. Finally, the paper puts forward a series of targeted countermeasures to promote the development of Chinese commercial bank online banking.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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