工商银行A市分行电子银行业务创新发展研究

发布时间：2018-08-26 13:05

【摘要】：随着银行业务需求的不断深入发展及互联网技术在金融领域的普及,金融行业出现了巨大变革,国际范围内金融领域的业务竞争日益加剧。电子银行作为银行一种全新的服务方式,依靠其低廉成本以及其自身的便捷性,已经越来越被商业银行所重视,在一定程度上影响着银行业的未来发展方向,并进一步影响着银行业的竞争格局和运营模式。在此背景下,商业银行传统经营模式和服务方式迫切需要转型发展,电子银行功能、服务等也需要不断创新。中国工商银行是国内最早发展电子银行业务的商业银行之一,经过近二十年的快速发展,电子银行业务已成为工行重要创新来源与经济增长点。本文针对A市工行电子银行业务创新进行研究,试图为A市工行未来电子银行业务的发展找到新方向和机会,也对整个工行电子银行业务的发展起到推动促进作用。本文首先介绍了电子银行业务的基本概念以及在传统银行转型发展中所起的作用,详细阐述了国内外电子银行业务的发展现状、特点及在未来创新发展中可以获取的借鉴经验。其次,概述了A市工行电子银行业务基本情况,并通过SWOT、PEST分析法探讨了A市工行电子银行业务当前的发展环境及创新发展的必要性,运用问卷调查研究法对A市工行电子银行业务数据和客户使用电子银行业务的需求情况做了客观分析,总结了其电子银行业务发展中面临的问题。最后,在现状与问题分析的基础上,提出了A市工行电子银行业务创新中“强基础、促转型、重创新”的发展思路以及“做大数量、做高质量、做广范围”的发展目标,同时,围绕产品、营销及客户服务三个层面,从分行特色产品创新、分层次精准营销等方面提出了具体的创新发展方向和重点创新要素。进一步,文章从风险管控、专业队伍建设、内部制度建设及绩效考核机制四个方面给出了保障措施。本文研究对A市工行电子银行业务的发展具有一定的参考意义和指导价值。
[Abstract]:With the continuous development of banking business demand and the popularization of Internet technology in the financial field, great changes have taken place in the financial industry, and the business competition in the international financial field is increasingly intensified. Electronic banking, as a new service mode of banks, has been paid more and more attention by commercial banks, depending on its low cost and convenience. To some extent, it has affected the future development direction of the banking industry. And further influence the competition pattern and operation mode of the banking industry. In this context, the traditional business model and service mode of commercial banks need to be transformed and developed urgently, and the functions and services of electronic banks also need to be innovated continuously. Industrial and Commercial Bank of China (ICBC) is one of the earliest commercial banks to develop electronic banking business in China. After nearly 20 years of rapid development, electronic banking business has become an important source of innovation and economic growth point of ICBC. This paper studies the innovation of ICBC's electronic banking business in A city, tries to find a new direction and opportunity for the future development of ICBC's electronic banking business in A city, and also promotes the development of ICBC's electronic banking business as a whole. This paper first introduces the basic concept of electronic banking business and the role it plays in the transformation and development of traditional banks, and expounds in detail the current situation, characteristics and lessons to be gained in the future innovation development of electronic banking business at home and abroad. Secondly, it summarizes the basic situation of ICBC's electronic banking business in A city, and discusses the current development environment and the necessity of innovation and development of the electronic banking business of ICBC in A city by means of SWOT,PEST analysis. This paper makes an objective analysis of the data of ICBC's electronic banking business in A city and the needs of customers in using electronic banking business by means of questionnaire research, and summarizes the problems faced in the development of electronic banking business. Finally, based on the analysis of current situation and problems, this paper puts forward the development idea of "strong foundation, promoting transformation and emphasizing innovation" in the innovation of ICBC's electronic banking business in A city, and the development goal of "making large quantity, doing high quality, doing wide range", at the same time, Focusing on the three levels of product, marketing and customer service, this paper puts forward the specific innovation development direction and key innovation elements from the aspects of branch characteristic product innovation and hierarchical precision marketing. Furthermore, the paper gives the safeguard measures from four aspects: risk control, professional team construction, internal system construction and performance appraisal mechanism. The research in this paper has certain reference significance and guiding value to the development of ICBC's electronic banking business in A city.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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