中国农业银行网上银行竞争力评价研究

发布时间：2018-02-28 08:09

本文关键词： 网上银行竞争力评价评价指标体系　出处：《中国石油大学(华东)》2014年硕士论文　论文类型：学位论文

【摘要】：网上银行业务在国内各家商业银行业务中所占的比重越来越高,可谓获得了突飞猛进的发展,网上银行已经被作为未来发展的主要方向被很多银行认可,网上银行业务已在我国商业银行各项业务中占据重要的地位。纵观国内网上银行这几年来的发展可以发现,网上银行的优势已经越来越明显。从经济效益上讲,网上银行能够有效分流柜台压力,节省人力、物力,大大降低经营管理成本,从而实现增收节支的效果。传统银行的经营成本往往占经营收入的60%左右,而网上银行的经营成本仅相当于经营收入的18%左右。两者相比,网上银行颇具优势。网上银行在中国市场获得了良好的发展势头,这主要是因为越来越呈现白热化的国内商业银行之间的竞争。有竞争就会有淘汰,为了占据有利的市场优势,在竞争中立于不败之地,大力拓展网上银行业务就显得尤为重要。也正因此,相关方面的研究,尤其是关乎网上银行竞争力的研究,就更加顺应时势,具有理论与实践价值。本文开篇对涉及到的概念,如网上银行、竞争力等作了界定。随后,对网上银行竞争力的含义,它所具有的特性以及本文采取的研究方法做了简要的概述。以此为基础,本文以中国农业银行为研究对象,分析了其网上银行发展的现状,并借鉴相关研究,从经济效果、营销能力、风险防范能力以及创新能力四个方面构建了关于中国农业银行网上银行竞争力方面的评价指标体系,实证评价研究了中国农业银行网上银行的竞争力状况。进而提出了有针对性的提升竞争力的策略,旨在为其提供理论上的指导,促进其网上银行竞争力的提升。
[Abstract]:The proportion of online banking business in the domestic commercial banking business is increasing, and it can be said that it has achieved rapid development. Internet banking has been recognized by many banks as the main direction of future development. Internet banking business has occupied an important position in all kinds of business of commercial banks in our country. Looking at the development of domestic online banking in recent years, we can find that the advantages of online banking have become more and more obvious. In terms of economic benefits, Online banking can effectively divert counter pressure, save manpower and material resources, greatly reduce the cost of operation and management, thereby achieving the effect of increasing revenue and saving money. The operating cost of traditional banks often accounts for about 60% of the operating income. The operating cost of online banking is only about 18% of its operating income. Compared with the two, Internet banking has considerable advantages. Internet banking has gained a good momentum of development in the Chinese market. This is mainly because competition among domestic commercial banks is becoming increasingly intense. If there is competition, there will be elimination. In order to occupy a favorable market advantage, they will remain invincible in the competition. It is particularly important to expand the online banking business. Therefore, the related research, especially the research on the competitiveness of online banking, is more responsive to the times and has theoretical and practical value. Such as Internet banking, competitiveness, etc. Then, the meaning of online banking competitiveness, its characteristics and the research methods adopted in this paper are briefly summarized. On this basis, this paper takes the Agricultural Bank of China as the research object. This paper analyzes the current situation of the development of online banking, and constructs an evaluation index system on the competitiveness of agricultural bank of China from four aspects: economic effect, marketing ability, risk prevention ability and innovation ability. The empirical evaluation studies the competitive power of Agricultural Bank of China (ACB) and puts forward some strategies to promote the competitiveness of the E-Bank in order to provide theoretical guidance and promote the competitiveness of E-Bank.
【学位授予单位】：中国石油大学(华东)
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

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