我国商业银行电子银行产品创新研究

发布时间：2018-03-11 17:26

本文选题：商业银行　切入点：金融创新　出处：《安徽财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：在我国加入WTO五年过渡期结束后,外资银行开始正式迈入我国金融市场。面对我国各银行巨大的资源优势、稳定的客户群体,外资银行开始以电子银行业务作为突破口,与国内各大商业银行开展竞争。随着竞争的不断加剧,国内几乎所有商业银行都开始意识到建立电子银行,创新并改进电子银行相关产品对自身的重大意义,并逐步将构建电子银行、创新电子银行产品纳入银行可持续发展的战略性任务中,并在资金供给和人才配置上给予了很大的支持。在这样的背景下,如何创新电子银行产品,如何保持产品创新性以促进我国银行业发展成为了我国商业银行目前应当探讨的问题,同时也是本文将要研究的主要内容。本文共包括五个部分,首先从理论入手,采用文献研究法,大量阅读我国及国外学者的研究成果,并对其中部分学者的文献进行综述,阐述本文选题背景和选题意义,提出可能的创新点。其次,在第二章简述了电子银行和金融创新理论,根据本文所涉及的内容采用较为适当的定义,对电子银行金融创新的起因进行分析,阐述其给我国银行业乃至金融业带来的影响。第三章运用归纳分析法分析了国外及我国电子银行产品创新现状,由此形成对比,随后提出我国电子银行产品创新过程中所存在的问题,结合第四章日本手机银行发展案例、我国工商银行手机银行、招商银行微信银行等多个案例分析,在第五章中提出包括转变运营方式、规范政策法规、加强人才管理等相关政策建议,试图为我国电子银行产品创新未来发展指出一条改进之路。
[Abstract]:After the transition period of five years after China's entry into WTO, foreign banks began to enter the financial market of our country. In the face of the huge resource advantage and stable customer group of Chinese banks, foreign banks began to take electronic banking as the breakthrough point. As the competition intensifies, almost all the domestic commercial banks begin to realize the importance of establishing electronic banks, innovating and improving related products of electronic banks. And gradually bring the construction of electronic banking, innovation of electronic banking products into the strategic task of sustainable development of banks, and give a lot of support in the supply of funds and the allocation of talents. Under this background, how to innovate electronic banking products, How to keep the innovation of products in order to promote the development of China's banking industry has become a problem that should be explored by commercial banks in our country at present, and it is also the main content of this paper to be studied. This paper consists of five parts. First of all, we use the literature research method to read a lot of the research results of Chinese and foreign scholars, and summarize some of the scholars' literature, and explain the background and significance of this topic. Secondly, in the second chapter, the author briefly describes the theory of electronic banking and financial innovation, and analyzes the causes of financial innovation in electronic banking by adopting a more appropriate definition according to the content involved in this paper. The third chapter analyzes the innovation status of electronic banking products in foreign countries and China by inductive analysis. Then put forward the problems existing in the process of innovation of electronic banking products in our country, combined with the development cases of Japanese mobile banking in Chapter 4th, the mobile phone bank of Industrial and Commercial Bank of China, the WeChat Bank of China Merchants Bank, and so on. In chapter 5th, the author puts forward some policy suggestions, such as changing operation mode, standardizing policies and regulations, strengthening talent management and so on, in an attempt to point out a way to improve the future development of electronic banking product innovation in China.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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