我国商业银行网上银行业务发展对策研究

发布时间：2018-03-23 02:11

本文选题：网上银行　切入点：第三方支付　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着信息技术的迅速发展和在银行中的广泛应用，网上银行业务已成为银行业务中最重要的构成部分之一。商业银行以现有的业务为基础，利用互联网技术为客户提供全面、统一、安全、便捷的金融产品和服务。目前，随着网上银行业务的迅速发展，其已成为商业银行新的利润增长点。然而近年来，随着我国互联网金融的快速兴起，互联网企业推出了一系列与银行业务相关的尝试，，造成商业银行的客户和存款被大量分流，利润被侵蚀，对商业银行造成了巨大的冲击。同时商业银行网上银行业务在发展的过程中也暴露出了很多问题：不能充分细分客户，产品与服务缺乏创新，组织结构复杂，安全性亟待加强等等，这些问题的存在阻碍了商业银行网上银行业务健康快速的发展，因此，借鉴国际经验，探讨如何促进我国商业银行网上银行业务的发展具有非常重要的现实意义。本文探讨了在目前的形势下，商业银行必须加快发展网上银行业务的重要性，介绍了我国商业银行网上银行业务发展的现状，剖析了我国网上银行业务发展中存在的问题，最后借鉴国际先进经验，从银行自身管理角度和外部环境（法律、监管、信用制度）等方面给出了促进我国商业银行网上银行业务发展的对策建议。
[Abstract]:With the rapid development of information technology and its wide application in banking, online banking has become one of the most important components of banking business. At present, with the rapid development of online banking business, it has become a new profit growth point of commercial banks. However, in recent years, with the rapid rise of Internet finance in China, Internet enterprises have launched a series of attempts related to the banking business, resulting in a large number of customers and deposits of commercial banks being diverted and profits eroded. At the same time, many problems have been exposed in the process of the development of commercial banks' online banking business, such as insufficient segmentation of customers, lack of innovation in products and services, and complex organizational structure. Security needs to be strengthened and so on. The existence of these problems hinders the healthy and rapid development of commercial banks' online banking business. It is of great practical significance to discuss how to promote the development of online banking business of commercial banks in China. This paper discusses the importance that commercial banks must speed up the development of online banking under the present situation, introduces the present situation of the development of online banking in China, and analyzes the problems existing in the development of online banking in China. Finally, from the perspective of bank's own management and external environment (law, supervision, credit system), the paper gives some countermeasures and suggestions to promote the development of Chinese commercial bank's online banking business.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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