我国电子银行发展研究
发布时间：2018-09-19 10:02
【摘要】：进入21世纪以来，随着科技的不断创新，移动网络的飞速发展，国内外各大银行均开始以产品质量和经济效益为重要着力点，以有效发展为核心，改善营销的策略，完善银行营销的整个体系，使电子银行业务在整个银行经营中所占的贡献比重不断增大，使其营销方式从以产品为核心逐渐向以客户体验为中心转换。为了在市场上争夺客户和业务份额，银行在各方面都有所创新，纷纷设立了电子银行部门，，专门负责电子银行产品的业务营销、管理、推广和运营等工作。 当前电子银行业务在银行业市场上的地位日益重要，国内外各银行纷纷采取积极地态度应对，发展电子银行产品，进行技术创新，开展各具特色的服务功能。作为一个金融业发展相对落后的发展中国家，虽然我国银行业对电子银行业务的认识和管理起步比较晚，但这也给予了我们充分的“后发优势”，让我们可以借鉴和学习国际上先进的管理方法和经验，取其精华，去其糟粕，大力发展我国的电子银行业务，找到适合我国电子银行业务发展的策略。 本文从电子银行定义和主要特点的分析出发，提出了电子银行是目前银行业发展的大趋势，通过分析国内外电子银行的发展，结合笔者从事银行业工作中的心得体会，总结经验，指出我国电子银行亟待解决的问题并提出为适应这种新形势我国电子银行的发展策略。
[Abstract]:Since entering the 21st century, with the continuous innovation of science and technology and the rapid development of mobile network, the major banks at home and abroad have begun to focus on product quality and economic benefits, take effective development as the core, and improve marketing strategies. Perfecting the whole system of bank marketing makes the contribution of electronic banking business in the whole bank operation increase constantly and gradually changes its marketing mode from product as the core to customer experience as the center. In order to compete for customers and business share in the market, banks have innovated in all aspects. They have set up electronic banking department, which is responsible for the marketing, management, promotion and operation of electronic banking products. At present, the status of electronic banking business in the banking market is becoming increasingly important. Banks at home and abroad have taken active attitude to deal with it, develop electronic banking products, carry out technological innovation, and carry out their own unique service functions. As a developing country with relatively backward development of the financial industry, although the understanding and management of electronic banking in China's banking industry started relatively late, it also gave us a full "late-development advantage". So that we can learn from the international advanced management methods and experience, take its essence, discard the dross, vigorously develop the electronic banking business in China, and find a suitable strategy for the development of the electronic banking business in our country. Based on the analysis of the definition and main characteristics of electronic banking, this paper puts forward that electronic banking is the main trend of banking development at present. Through the analysis of the development of electronic banking at home and abroad, combined with the author's experience in banking work, This paper summarizes the experience, points out the problems to be solved urgently in electronic banking in China and puts forward the development strategy of electronic bank in order to adapt to this new situation.
【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
本文编号：2249812
[Abstract]:Since entering the 21st century, with the continuous innovation of science and technology and the rapid development of mobile network, the major banks at home and abroad have begun to focus on product quality and economic benefits, take effective development as the core, and improve marketing strategies. Perfecting the whole system of bank marketing makes the contribution of electronic banking business in the whole bank operation increase constantly and gradually changes its marketing mode from product as the core to customer experience as the center. In order to compete for customers and business share in the market, banks have innovated in all aspects. They have set up electronic banking department, which is responsible for the marketing, management, promotion and operation of electronic banking products. At present, the status of electronic banking business in the banking market is becoming increasingly important. Banks at home and abroad have taken active attitude to deal with it, develop electronic banking products, carry out technological innovation, and carry out their own unique service functions. As a developing country with relatively backward development of the financial industry, although the understanding and management of electronic banking in China's banking industry started relatively late, it also gave us a full "late-development advantage". So that we can learn from the international advanced management methods and experience, take its essence, discard the dross, vigorously develop the electronic banking business in China, and find a suitable strategy for the development of the electronic banking business in our country. Based on the analysis of the definition and main characteristics of electronic banking, this paper puts forward that electronic banking is the main trend of banking development at present. Through the analysis of the development of electronic banking at home and abroad, combined with the author's experience in banking work, This paper summarizes the experience, points out the problems to be solved urgently in electronic banking in China and puts forward the development strategy of electronic bank in order to adapt to this new situation.
【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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