中国银行山西分行电子银行发展战略研究
发布时间：2018-11-29 12:41
【摘要】：中国银行山西分行电子银行业务目前包括网上银行、手机银行和电子商务,以网上银行和手机银行为发展重点,支撑山西中行的网点转型和渠道改革建设。本文立足网上银行和手机银行,研究其发展战略,以实现电子银行客户数的快速增长、金融交易迁移率和市场份额的稳步提升,对山西中行电子银行业务的发展有重要意义。 2003年中国银行山西分行的企业网上银行成功投产,2005年推出了分行版个人网上银行,之后于2008年又整合成全国统一版本的新版个人网上银行,2010年手机银行面世,紧接着电子商务业务问世,山西中行电子银行业务走过了生命周期中的成长期,逐步进入成熟期。在十余年的发展中,前一阶段的发展战略能够适应当时的市场环境,实现了客户群从无到有从小到大的发展过程。当前,随着互联网金融市场以及其衍生品的发展,给山西中行电子银行业务带来了冲击。因此,必须重新研究和定位山西中行电子银行业务的发展战略,为近期和未来的业务发展做出指导。 论文以战略管理的相关基础理论为指导,研究了竞争战略理论,找出了战略分析和选择的工具。通过分析国内外研究现状,汲取本文研究的经验和方法。从分析中国银行山西分行电子银行业务发展现状入手,通过SWOT分析法分析山西中行电子银行业务存在的优势、劣势、机遇和威胁,找出山西中行电子银行业务目前成长所需的能力和欠缺;使用波特五力模型,分析影响山西中行电子银行业务发展的供应商的议价能力、购买者的议价能力、新进入者的威胁、替代品的威胁和同业竞争者的竞争程度,突出中国银行山西分行电子银行业务的发展战略环境的研究。在此基础上根据制定战略的原则,指出了山西中行电子银行业务应有的发展战略,提供了为确保发展战略的实现而必须实施的保障措施,将指导山西中行电子银行业务继续快速、长远地发展。
[Abstract]:At present, the electronic banking business of Bank of China Shanxi Branch includes online banking, mobile banking and electronic commerce, with online banking and mobile banking as the focus of development to support the transformation of the Bank of China's network and channel reform construction. Based on online banking and mobile banking, this paper studies its development strategy in order to achieve the rapid growth of the number of electronic banking customers, the steady increase of financial transaction mobility and market share, which is of great significance to the development of Shanxi Bank of China's electronic banking business. In 2003, the Bank of China Shanxi Branch of the enterprise online banking successfully put into production, in 2005 introduced the branch version of personal online banking, and then in 2008 integrated into a unified version of the national version of the new version of personal online banking, 2010 mobile phone banking. Immediately after the advent of electronic business, Shanxi Bank of China electronic banking business has passed through the life cycle of growth, gradually into a mature period. In the development of more than ten years, the development strategy of the previous stage can adapt to the market environment at that time, and realize the development process of the customer group from scratch to have from small to large. At present, with the development of the internet financial market and its derivatives, the electronic banking business of Bank of China of Shanxi has been impacted. Therefore, it is necessary to re-study and position the development strategy of Shanxi Bank of China's electronic banking business, and provide guidance for the development of business in the near and future. Guided by the basic theory of strategic management, this paper studies the theory of competition strategy and finds out the tools of strategic analysis and selection. Through the analysis of domestic and foreign research status, draw on the experience and methods of this study. Based on the analysis of the current situation of the electronic banking business of Bank of China Shanxi Branch, this paper analyzes the strengths, weaknesses, opportunities and threats of the electronic banking business of the Bank of China through SWOT analysis. To find out the current growth of Shanxi Bank of China electronic banking business capacity and deficiencies; Using Porter's five-force model, this paper analyzes the bargaining power of suppliers, buyers' bargaining power, new entrants' threat, the threat of substitutes and the competition degree of competitors in Shanxi Bank of China's electronic banking business. Highlight the Bank of China Shanxi Branch of the development of electronic banking business strategic environment. On this basis, according to the principle of formulating the strategy, the paper points out the development strategy that should be adopted by Shanxi Bank of China Electronic Bank, and provides the safeguard measures that must be implemented to ensure the realization of the development strategy. Will guide Shanxi Bank of China electronic banking business to continue fast, long-term development.
【学位授予单位】：太原理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
本文编号：2365021
[Abstract]:At present, the electronic banking business of Bank of China Shanxi Branch includes online banking, mobile banking and electronic commerce, with online banking and mobile banking as the focus of development to support the transformation of the Bank of China's network and channel reform construction. Based on online banking and mobile banking, this paper studies its development strategy in order to achieve the rapid growth of the number of electronic banking customers, the steady increase of financial transaction mobility and market share, which is of great significance to the development of Shanxi Bank of China's electronic banking business. In 2003, the Bank of China Shanxi Branch of the enterprise online banking successfully put into production, in 2005 introduced the branch version of personal online banking, and then in 2008 integrated into a unified version of the national version of the new version of personal online banking, 2010 mobile phone banking. Immediately after the advent of electronic business, Shanxi Bank of China electronic banking business has passed through the life cycle of growth, gradually into a mature period. In the development of more than ten years, the development strategy of the previous stage can adapt to the market environment at that time, and realize the development process of the customer group from scratch to have from small to large. At present, with the development of the internet financial market and its derivatives, the electronic banking business of Bank of China of Shanxi has been impacted. Therefore, it is necessary to re-study and position the development strategy of Shanxi Bank of China's electronic banking business, and provide guidance for the development of business in the near and future. Guided by the basic theory of strategic management, this paper studies the theory of competition strategy and finds out the tools of strategic analysis and selection. Through the analysis of domestic and foreign research status, draw on the experience and methods of this study. Based on the analysis of the current situation of the electronic banking business of Bank of China Shanxi Branch, this paper analyzes the strengths, weaknesses, opportunities and threats of the electronic banking business of the Bank of China through SWOT analysis. To find out the current growth of Shanxi Bank of China electronic banking business capacity and deficiencies; Using Porter's five-force model, this paper analyzes the bargaining power of suppliers, buyers' bargaining power, new entrants' threat, the threat of substitutes and the competition degree of competitors in Shanxi Bank of China's electronic banking business. Highlight the Bank of China Shanxi Branch of the development of electronic banking business strategic environment. On this basis, according to the principle of formulating the strategy, the paper points out the development strategy that should be adopted by Shanxi Bank of China Electronic Bank, and provides the safeguard measures that must be implemented to ensure the realization of the development strategy. Will guide Shanxi Bank of China electronic banking business to continue fast, long-term development.
【学位授予单位】：太原理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
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