中国工商银行电子银行业务研究

发布时间：2018-05-26 20:07

  本文选题：电子银行 + 中国工商银行　； 参考：《对外经济贸易大学》2017年硕士论文

【摘要】：2014年5月,习近平总书记在河南实地考察时,首次提出了“新常态”这一重要论断,这标志着中国经济已经告别快而不精的粗犷型发展,转而追求更高质量的中高速增长,企业发展从传统的要素或投资驱动转变为创新驱动。因此,新常态下银行间的竞争也不再仅限于跑马圈地式的网点数量比拼了,而是转变为更加精细化、专业化的竞争。再加之近年来中央银行对利率管制的逐步放开,以及各大互联网行业公司的跨界竞争,使得传统银行业昔日高高在上的优势地位丧失殆尽。因此,尽快找到一条改革创新之路,已成为每家商业银行当下的首要任务。作为传统金融业务和新兴科学技术的有机融合的产物,电子银行当之无愧地成为了当今商业银行最重要的服务渠道之一:首先,在过去很长一段时间里,利差是传统商业银行的主要收入来源,电子银行凭借其多元化的功能设置,大大拓宽了商业银行的业务范围,从而进一步优化商业银行收入结构;其次,与传统银行业需要花费大量人力、财力去铺设物理网点不同的是,电子银行利用信息技术将客户的业务虚拟化,进而大幅降低银行的经营成本;再次,电子银行业务具有高效、便捷的业务操作模式,加之嵌入更加人性化的场景元素,使得客户在办理银行业务的过程中获得更好的体验;最后,由于电子银行业务不受时间和空间的限制,使得商业银行在抢占境外或边远地区的市场份额时更加得心应手。得益于互联网络、移动通讯、电子商务等技术的快速发展,如今我国电子银行业务步入了相对成熟的阶段,各家商业银行都试图推出更具竞争力的产品或服务,以强化自身的核心竞争力,中国工商银行也不例外,经过将近20年的不懈努力,工商银行电子银行已经建成了一套多元化、智能化、创新化、国际化的业务体系,并于2015年3月23日发布了自己的电子银行品牌——e-ICBC,三大平台配合三大产品线,使得工在电子银行领域中有了里程碑式的进步,在捧得国内外无数奖项的同时,也收获了来自社会各界的良好口碑。然而在取得骄人成果的背后,工行电子银行仍存在如经营管理体制不健全、风险控制体系不完善、人才队伍建设不到位、系统保障机制不扎实、融e系列产品不过硬等诸多问题,本文在发现上述问题的基础上,深入剖析问题成因,并有针对性地对工行电子银行业务提出健全内控制度、完善支持体系、强化品牌建设等改进建议,旨在通过电子银行业务的健康发展,来带动工行整体完成转型升级。
[Abstract]:In May 2014, during a field trip to Henan Province, General Secretary Xi Jinping put forward for the first time the important conclusion of the "new normal", which symbolizes that China's economy has left the rapid and unsophisticated rough development and has turned to pursue higher quality and high speed growth. The enterprise development changes from the traditional factor or the investment drive to the innovation drive. Therefore, the competition between banks in the new normal is no longer limited to the competition of the number of points, but is transformed into a more refined and professional competition. In addition, the deregulation of interest rate by the central bank in recent years, and the cross-border competition of the major Internet industry companies, make the traditional banking industry lost its former superior position. Therefore, to find a reform and innovation as soon as possible has become the most important task of every commercial bank. As a product of the organic integration of traditional financial business and emerging science and technology, electronic banking has become one of the most important service channels for commercial banks today. First, in the past a long time ago, electronic banking has become one of the most important service channels for commercial banks. Interest rate difference is the main source of income for traditional commercial banks. With its diversified functions, electronic banks greatly broaden the scope of business of commercial banks, thereby further optimizing the income structure of commercial banks. Unlike the traditional banking industry, which requires a great deal of manpower and financial resources to lay physical networks, electronic banking uses information technology to virtualize customers' business, thereby greatly reducing the operating costs of banks. Thirdly, electronic banking is highly efficient. The convenient business operation mode, coupled with the embedding of more humanized scene elements, enables customers to gain a better experience in the process of handling banking business. Finally, because the electronic banking business is not limited by time and space, Commercial banks in foreign or remote areas of the market share more handy. Thanks to the rapid development of Internet, mobile communications, electronic commerce and other technologies, now our electronic banking business has entered a relatively mature stage, each commercial bank is trying to introduce more competitive products or services. In order to strengthen its core competitiveness, the Industrial and Commercial Bank of China is no exception. After nearly 20 years of unremitting efforts, ICBC Electronic Bank has built a diversified, intelligent, innovative and international business system. And on March 23, 2015, it released its own e-banking brand e-ICBC.Three platforms cooperate with the three major product lines, making the industry have made milestone progress in the field of electronic banking, while winning numerous awards at home and abroad. It has also gained good reputation from all walks of life. However, behind the remarkable achievements, ICBC electronic banks still exist, such as the imperfect management system, the imperfect risk control system, the inadequate construction of the talent team, and the lack of a solid system guarantee mechanism. On the basis of finding the above problems, this paper deeply analyzes the causes of the problems, and puts forward a sound internal control system and a sound support system for ICBC's electronic banking business. Strengthening brand building and other improvement suggestions aimed at the healthy development of electronic banking business to drive ICBC to complete the overall transformation and upgrading.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
，

本文编号：1938730