远程开户对商业银行的影响——基于直销银行的分析
发布时间：2018-11-02 17:14
【摘要】：远程开户是互联网银行突破"面签"政策红线,实现方便快捷服务的有效途径。本文在监管层对互联网银行不断放宽限制的背景下,对实现远程开户将如何影响银行转型进行研究。以直销银行为例,重点对商业银行的互联网转型、强弱电子账户的界定、分类银行账户管理的实施等方面进行分析,探讨了远程开户对直销银行的影响。最后结合直销银行推动远程开户的发展状况,对我国直销银行未来如何应对远程开户提出了对策建议。
[Abstract]:Remote account opening is an effective way for internet banks to break through the "face sign" policy red line and realize convenient and fast service. In this paper, under the background of the deregulation of Internet banks, this paper studies how the remote opening of accounts will affect the transformation of banks. Taking direct selling bank as an example, this paper analyzes the Internet transformation of commercial banks, the definition of strong and weak electronic accounts, the implementation of classified bank account management, and discusses the impact of remote opening of accounts on direct selling banks. Finally, combined with the development of direct selling bank to promote remote account opening, the paper puts forward some countermeasures and suggestions on how to deal with remote account opening in China's direct selling banks in the future.
【作者单位】： 北京银行博士后科研工作站;
【分类号】：F832.2
，
本文编号：2306431
[Abstract]:Remote account opening is an effective way for internet banks to break through the "face sign" policy red line and realize convenient and fast service. In this paper, under the background of the deregulation of Internet banks, this paper studies how the remote opening of accounts will affect the transformation of banks. Taking direct selling bank as an example, this paper analyzes the Internet transformation of commercial banks, the definition of strong and weak electronic accounts, the implementation of classified bank account management, and discusses the impact of remote opening of accounts on direct selling banks. Finally, combined with the development of direct selling bank to promote remote account opening, the paper puts forward some countermeasures and suggestions on how to deal with remote account opening in China's direct selling banks in the future.
【作者单位】： 北京银行博士后科研工作站;
【分类号】：F832.2
，
本文编号：2306431
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