中国银行个人网上银行项目经济效益评价分析
发布时间：2019-02-14 07:29
【摘要】：随着信息时代的来临,电子商务、网上支付被人们越来越多的运用。金融业作为国民经济运行中一个不可或缺的部分,也必然会受到这种趋势的影响,加之银行在传统经营模式出现瓶颈的情况下,开展网上银行业务,即成为其提高经济效益、稳固在市场中竞争地位的关键。文章在阅读大量参考文献的基础上首先阐述了经济效益以及网上银行经济效益的相关概念,结合传统商业银行的发展情况和中国银行的发展情况,从宏观和微观两个层面分别分析了影响中国银行网上银行项目经济效益的主要因素,建立了网上银行经济效益评价指标体系,选取中国银行的相关数据作为样本,对个人网上银行项目的经济效益的评价进行实证研究。 本文查阅了湖南省中国银行2008至2012年的相关经济数据,整理并计算得到相应的指标原始数据,应用因子分析法对指标数据进行处理,建立相应的数学模型,得到网上银行经济效益的评价结果。结果认为影响中国银行个人网上银行经济效益的因素可以总结为中国银行网银发展规模与客户对中行网银的体验评价两个因素。在实证分析的基础上,同时考虑中国银行经济效益的各个层面的因素,提出进一步提高中国银行个人网上银行项目的经济效益的对策建议。
[Abstract]:With the advent of the information age, e-commerce, online payment has been used more and more. As an indispensable part of the national economy, the financial industry is bound to be affected by this trend. In addition, the banks in the traditional business mode of bottleneck, the development of online banking business, that is, to improve its economic benefits. The key to securing a competitive position in the market. On the basis of reading a large number of references, the article first expounds the related concepts of economic benefits and economic benefits of online banking, combined with the development of traditional commercial banks and the development of Bank of China. This paper analyzes the main factors that affect the economic benefit of the bank of China's online banking project from the macro and micro aspects, establishes the evaluation index system of the economic benefit of the bank of China, and selects the relevant data of the bank of China as the sample. This paper makes an empirical study on the evaluation of the economic benefits of personal online banking projects. This paper reviews the relevant economic data of Hunan Bank of China from 2008 to 2012, collates and calculates the corresponding original index data, processes the index data by using factor analysis method, and establishes the corresponding mathematical model. Get the evaluation result of economic benefit of internet bank. The results show that the factors that affect the economic benefit of Bank of China's personal online banking can be summarized as two factors: the scale of the development of Bank of China's online banking and the customer's experience evaluation of Bank of China's net banking. On the basis of empirical analysis and taking into account the factors of economic benefit of Bank of China, this paper puts forward some countermeasures and suggestions to further improve the economic benefit of individual online banking project of Bank of China.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
本文编号：2421977
[Abstract]:With the advent of the information age, e-commerce, online payment has been used more and more. As an indispensable part of the national economy, the financial industry is bound to be affected by this trend. In addition, the banks in the traditional business mode of bottleneck, the development of online banking business, that is, to improve its economic benefits. The key to securing a competitive position in the market. On the basis of reading a large number of references, the article first expounds the related concepts of economic benefits and economic benefits of online banking, combined with the development of traditional commercial banks and the development of Bank of China. This paper analyzes the main factors that affect the economic benefit of the bank of China's online banking project from the macro and micro aspects, establishes the evaluation index system of the economic benefit of the bank of China, and selects the relevant data of the bank of China as the sample. This paper makes an empirical study on the evaluation of the economic benefits of personal online banking projects. This paper reviews the relevant economic data of Hunan Bank of China from 2008 to 2012, collates and calculates the corresponding original index data, processes the index data by using factor analysis method, and establishes the corresponding mathematical model. Get the evaluation result of economic benefit of internet bank. The results show that the factors that affect the economic benefit of Bank of China's personal online banking can be summarized as two factors: the scale of the development of Bank of China's online banking and the customer's experience evaluation of Bank of China's net banking. On the basis of empirical analysis and taking into account the factors of economic benefit of Bank of China, this paper puts forward some countermeasures and suggestions to further improve the economic benefit of individual online banking project of Bank of China.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
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