肥城市农村信用社电子银行业务发展策略研究

发布时间：2018-06-15 18:58

本文选题：农村信用社 + 电子银行　；参考：《中国石油大学(华东)》2014年硕士论文

【摘要】：伴随信息技术的发展和全球信息化水平的不断提高,以电子银行业务为基础的金融电子化发展已成为全球金融机构业务拓展的重要领域。尤其是在电子、通讯技术飞速发展的环境下,电子银行业务经历了从缓慢发展到井喷式发展的质的飞跃过程,电子银行已经成为现代各类型的金融机构都积极开发的战略性重点、利润增长点和竞争力提升的助推剂。农村信用社是我国金融机构的重要组成部分,且在城乡经济发展中起到重要的资金调节作用。面对金融行业的激烈竞争,本文以肥城市农村信用社电子银行业务开展作为研究对象,对其发展进行了相应的趋势分析和战略分析,并针对发展中的瓶颈问题结合系统分析方法,提出了相应发展对策。首先,在对电子银行业务开展的历程进行梳理的基础上,对肥城市农村信用社开展的电子银行业务的现状及面临的困境进行了分析。根据肥城市农村信用社电子银行业务发展的业务内容、历史演进趋势,可以看出该项业务的发展起步晚、推广有限,还处于初期实践阶段。其次,为进一步对电子银行业务的发展状况进行分析,采用了PEST方法对外部环境进行了分析,对政治法律环境、社会文化环境、经济环境和技术环境等外部要素进行了分析;除此之外,对内部运营管理模式进行了分析,并利用从用户处获得的调研问卷对满意度进行了分析,说明目前对于不同电子银行产品的使用效率差异性大,且存在对安全性的信任。最后,综合内外部环境要素进行了SWOT分析,获得了肥城市农村信用社电子银行业务发展的战略方向定位,并提出了相应的发展对策。
[Abstract]:With the development of information technology and the improvement of the level of global information technology, the development of electronic finance based on electronic banking business has become an important field of business expansion of global financial institutions. Especially in the environment of the rapid development of electronic and communication technology, the electronic banking business has experienced a qualitative leap from slow development to blowout development. Electronic banking has become a strategic focus, profit growth point and a boost to the competitiveness of modern financial institutions. Rural credit cooperatives are an important part of financial institutions in China, and play an important role in the regulation of capital in the economic development of urban and rural areas. In the face of fierce competition in the financial industry, this paper takes the electronic banking business of Feicheng Rural Credit Cooperatives as the research object, carries on the corresponding trend analysis and the strategic analysis to its development. In view of the bottleneck problem in the development and the system analysis method, the corresponding development countermeasures are put forward. First of all, on the basis of combing the course of the electronic banking business, this paper analyzes the current situation and difficulties of the electronic banking business carried out by the Feicheng Rural Credit Cooperatives. According to the business content and historical evolution trend of the development of electronic banking business of Feicheng Rural Credit Cooperatives, we can see that the development of this business started late and its popularization was limited, and it is still in the initial stage of practice. Secondly, in order to further analyze the development of electronic banking business, the paper uses pest method to analyze the external environment, the political and legal environment, the social and cultural environment, the economic environment and the technological environment. In addition, the internal operation management mode is analyzed, and the satisfaction degree is analyzed by using the questionnaire obtained from the users, which shows that the use efficiency of different electronic banking products is very different at present. And there is trust in security. Finally, through SWOT analysis of internal and external environmental factors, the strategic orientation of the development of electronic banking business of Feicheng Rural Credit Cooperative is obtained, and the corresponding development countermeasures are put forward.
【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】：F832.35

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