电子银行业务对商业银行绩效的影响研究

发布时间：2018-01-08 03:31

本文关键词：电子银行业务对商业银行绩效的影响研究　出处：《贵州财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：技术进步对提高服务质量起到了重要的作用,能不能与当今网络时代的需求和变化相结合成为了新的银行业标准。在此情况下产生了以电子银行为代表的新型营业模式,使银行交易更容易在世界各地达成,自业务开始便快速获得接受,发展至今已成为银行业务中极其重要的组成部分。梳理电子银行业务发展过程,发现在金融服务市场竞争日趋激烈和互联网金融模式的冲击下,银行原有依赖于存贷款利息差盈利模式的获利空间变小,开发和利用可供选择新分销渠道的压力加大,电子银行在保留传统业务的基础上借助新型网络技术吸引了潜在客户、促进交易形成,同时拓展了一系列新的互联网金融业务,使商业银行的经营利润不断上升。本文以研究如何更加有效地利用电子银行业务提高商业银行绩效为目标,首先对电子银行及其发展状况做了简要介绍,同时还举例分析国内外电子银行和电商平台的发展情况,然后理论分析发展电子银行对银行绩效的影响,最后使用DEA方法测定8家典型性银行10年间电子银行业务对银行绩效的贡献程度,结果表明合理配置电子银行投入的银行经营效率更高,股份制银行的电子银行业务对银行绩效具有更优的影响,但国有银行已经开始意识到自身的问题并试图改善电子银行资源投入来提高它们的效率。文章在此基础上进行更深入、科学的分析,剖析新的盈利渠道与银行经营绩效之间的联系,为低效率商业银行提高运营效率提供了具体的方向,找出基于电子银行业务提高整体绩效的合理途径。
[Abstract]:Technological progress has played an important role to improve the quality of service, can not be with the network era change and the demand for the combination of new banking standards. In this case the new business model in electronic banking as the representative, make bank transactions easier to reach in the world, since the business began to get fast accept, development has become an important part of the banking business. The development process of combing electronic banking and financial services in the increasingly fierce market competition and the Internet financial model under the impact of the original bank depends on the deposit and lending interest rate differential profit model of smaller profit space, the development and utilization of available new distribution channels the pressure increase, while retaining the traditional business based electronic banking by means of a new network technology to attract potential customers, promote sales, and develops a series of The new Internet financial business, commercial banks operating profit rise. Based on the research of how to more effectively use electronic banking business of commercial banks to improve performance as the goal, the electronic bank and its development are briefly introduced, and an example analysis of the developing situation of domestic and foreign electronic bank and electronic business platform, and then the theoretical analysis of the impact of the development of electronic banking on the bank's performance, and finally use the DEA method for the determination of 8 typical banks 10 years of electronic banking business contribution to bank performance. The results show that the operating efficiency of the rational allocation of electronic banking investment banks higher, joint-stock banks electronic banking business has a better effect on the performance of the bank, but the state-owned banks have begin to realize their own problems and try to improve the electronic banking resources to improve their efficiency on the basis of more. In depth and scientific analysis, we analyze the relationship between the new profit channel and the bank performance, and provide a specific direction for the inefficient commercial banks to improve operational efficiency, and find out a reasonable way to improve the overall performance based on e-banking.

【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

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