国内外商业银行电子银行业务发展的比较研究

发布时间：2019-02-12 16:40

【摘要】：上世纪90年代，银行掀起了新一轮的创新浪潮，这一次的改革使得信息技术逐渐融入到银行日常的经营管理活动中，对传统银行的经营模式和服务方式产生了巨大的影响，电子银行业务就此诞生。电子银行业务是依托计算机技术的发展，以网络为媒介，在为顾客提供及时、完善的金融自助服务的同时，大大降低了银行的运营成本，为银行创造了巨大的利润空间，并且加速了金融业务的创新。到目前为止，电子银行业务俨然成为商业银行改变发展模式、提高竞争实力的一个有效渠道，是商业银行业务发展的一种必然选择。因此，通过国内外电子银行业务发展的比较分析，借鉴其先进经验，发现自身发展过程中存在的不足，从而提出相应的改进措施，这对于我国电子银行业务今后的发展意义深远。本文首先介绍了电子银行业务的概念、种类和特征，并且将电子银行业务与传统银行业务进行比较，对新时期下两者之间的关系给予了客观理性的界定。在此理论基础上，，分别对国内外商业银行电子银行业务的发展情况进行详细的介绍。其中，在对国外电子银行业务的发展情况进行概述时，分别就四种不同的基本业务在各个国家的发展情况进行一个总体的描述，以此得出国外电子银行业务发展的特点。另外，在对我国电子银行业务的发展进行现实分析时，以介绍各业务的发展历程与现状为铺垫，选取几家商业银行作为代表对其具体的发展情况和相关数据进行分析，从而结合现实情况，反映出我国电子银行业务发展的特点及存在的问题。同时，选取7家商业银行电子银行业务交易额与总资产收益率为研究样本进行回归分析，对我国电子银行业务与商业银行绩效之间的关系进行实证检验，得出两者之间存在正相关关系。然后，结合上述有关国内外电子银行业务的发展情况进行比较分析，发现我国电子银行业务在产品功能和服务、营销机制、人才培养、风险控制等几个方面与国外还存在一定的差距，并以此为依据得出几点启示，为今后我国电子银行业务的发展提供参考。
[Abstract]:In the 1990s, the bank set off a new wave of innovation, this time the reform of information technology gradually integrated into the bank's daily management activities, the traditional banking business model and service has had a huge impact. This is the birth of electronic banking business. Electronic banking business is relying on the development of computer technology, taking the network as the medium, while providing timely and perfect financial self-service for customers, it greatly reduces the operating cost of banks and creates a huge profit space for banks. And accelerated the innovation of financial business. Up to now, electronic banking business has become an effective channel for commercial banks to change their development mode and improve their competitive strength, which is an inevitable choice for the development of commercial banks' business. Therefore, through the comparative analysis of the development of electronic banking business at home and abroad, drawing lessons from its advanced experience, we find out the shortcomings in our own development process, and then put forward the corresponding improvement measures. This is of great significance to the future development of electronic banking in China. This paper first introduces the concept, types and characteristics of electronic banking business, and compares the electronic banking business with the traditional banking business, and gives an objective and rational definition of the relationship between them in the new period. On the basis of this theory, the development of electronic banking business of commercial banks at home and abroad is introduced in detail. Among them, when the development of foreign electronic banking business is summarized, the development of four different kinds of basic business in each country is described in a general way, and the characteristics of the development of foreign electronic banking business are obtained. In addition, when analyzing the development of electronic banking business in our country, we choose several commercial banks as representatives to analyze its specific development situation and related data, which is based on the introduction of the development course and current situation of each business. Combining with the reality, it reflects the characteristics and problems of the development of electronic banking in China. At the same time, the relationship between the electronic banking business and the performance of commercial banks in China is empirically tested by using the regression analysis of the transaction volume and the total return on assets of 7 commercial banks. It is concluded that there is a positive correlation between the two. Then, by comparing and analyzing the development of the electronic banking business at home and abroad, we find that the electronic banking business in our country has the function and service of products, marketing mechanism and talent training. There is still a certain gap between the risk control and foreign countries, and based on this, some revelations are obtained, which will provide a reference for the development of electronic banking in China in the future.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6

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