商业银行电子银行业务发展模式与风险管理研究

发布时间：2018-03-24 00:16

本文选题：电子银行　切入点：发展模式　出处：《兰州大学》2014年硕士论文

【摘要】：近年来,信息技术与互联网电子商务蓬勃发展,商业银行在信息技术的大浪潮中不断发展金融创新,从中获得更多新的发展机会。银行、保险、证券等正规金融机构,一直是互联网金融乃至整个金融市场的主要力量,然而伴随互联网的繁荣发展,近期却涌现出一些P2P网络借贷平台争相抢占电子银行业务的资源,甚至占据了第三方支付的猛烈势头。特别是在银行银根吃紧的当前,商业银行不单面临着服务网格从传统的物理竞争转变为电子化渠道的风险与挑战,更需强大技术创新、服务创新、渠道创新和功能创新来应对民间草根网络借贷平台的挑战。本文对比各商业银行电子银行业务的发展状况,结合电子银行业务概念、特征、分类及发展模式等等方面内容,通过宏微观环境分析,探讨以信息时代变迁为背景的环境中,商业银行如何根据自身确立电子银行的战略目标,在保障可控风险的前提下达到业务持续、协调发展、提升竞争力的目标。同时对电子银行业务产生的风险加以分析,研究商业银行应对不同风险的管理措施,以安全、有效的服务更好的发展自身。
[Abstract]:In recent years, information technology and Internet e-commerce have flourished. Commercial banks are constantly developing financial innovation in the big wave of information technology, thus obtaining more new development opportunities. Banks, insurance, securities and other formal financial institutions, It has always been the main force of the Internet finance and even the entire financial market. However, with the prosperity of the Internet, some P2P network lending platforms have emerged recently to scramble to seize the resources of the electronic banking business. Commercial banks are facing not only the risks and challenges of changing the service grid from traditional physical competition to electronic channels, but also the need for strong technological innovation. Service innovation, channel innovation and function innovation to meet the challenge of folk grassroots network lending platform. This paper compares the development of electronic banking business of commercial banks, combining with the concept, characteristics, classification and development mode of electronic banking business, through macro and micro environment analysis, discusses the environment with the background of the change of the information age. How to establish the strategic goal of electronic bank according to its own, and to achieve the goal of business continuity, coordinated development and enhance competitiveness under the premise of ensuring controllable risks. At the same time, the risks arising from electronic banking business are analyzed. Research commercial banks to deal with different risk management measures, in order to security, effective services to better develop themselves.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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