中韩手机银行比较研究

发布时间：2018-01-26 05:32

本文关键词： 手机银行发展阶段中国韩国比较　出处：《吉林财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：在IT行业中发展速度最快的当数智能机器。2008年iPhone3G上市之后,全世界刮起了智能的风潮。由于智能手机的扩散,不仅是通信产业,其他各个产业都受了很深的影响。金融业是信息密集的行业,它的发展与信息技术机密相连,随着信息通信技术和金融业的发展,两者已经逐渐融为一体,可以说,没有信息通信技术,就没有现代金融业。移动互联网与金融的结合,目前主要表现为手机银行。自20世纪90年代手机银行诞生以来,现在以迅雷不及掩耳之势席卷全球的金融领域中,在欧美、日韩等发达国家,手机银行市场已经基本成熟,但是在欧美,银行卡和个人支票高度普及,银行、消费者和商家缺乏转换支付方式的动力,并没有形成“手机文化”。韩国手机银行诞生于1999年,至今为止经历了5个阶段,从开始的不成熟的市场,到现在已经形成了一定的市场规模,目前,在韩国手机银行已经非常普及,成为金融业的主流支付方式之一。中国手机银行从2000年诞生开始至今经历了3个阶段。从中国手机银行的发展过程来看,与韩国既有相似之处,也有区别。本文从发展阶段,在金融市场中的地位,服务,安全性,客户,商业模式等6个方面对中国和韩国手机银行进行了比较,找出阻碍手机银行在我国发展的障碍,把韩国的成功经验与中国实际相结合,得到手机银行迅速发展的启示。
[Abstract]:The fastest growing number of smart machines in the IT industry. After the launch of iPhone3G in 2008, the world became a wave of intelligence. The proliferation of smartphones is not just the communications industry. Other industries are deeply affected. The financial industry is an information-intensive industry, its development and information technology secrets, with the development of information and communication technology and the financial industry, the two have gradually integrated. It can be said that without information and communication technology, there will be no modern financial industry. The combination of mobile Internet and finance is mainly manifested in mobile banking. Since the birth of mobile banking in 1990s. Nowadays, the mobile banking market has been basically mature in the developed countries such as Europe and America, Japan and South Korea, but in Europe and the United States, bank cards and personal cheques are highly popular and banks. Consumers and merchants lack the motivation to switch payment methods and do not form a "mobile culture". Korean Mobile Bank was born in 1999 and has gone through five stages, from the beginning of the immature market. Up to now has formed a certain market scale, at present, in Korea mobile phone bank has been very popular. China Mobile Bank has experienced three stages since its birth in 2000. From the development process of China Mobile Bank, there are similarities between China Mobile Bank and South Korea. There are also differences. This paper compares the status, service, security, customer, business model of mobile banking between China and Korea from the development stage, the status in the financial market, the service, the security, the customer, the business model and so on 6 aspects has carried on the comparison. To find out the obstacles that hinder the development of mobile banking in China, combine the successful experience of Korea with the reality of China, get the inspiration of the rapid development of mobile banking.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F713.36;F831.2

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