互联网背景下Z银行业务渠道再造项目管理研究

发布时间：2019-01-10 13:35

【摘要】：近年来,互联网行业发展迅猛,以计算机信息技术为代表的互联网金融,对传统金融业产生了很强的冲击。传统金融行业的优势是:通过规模经济降低交易成本以及专业化的数据处理能力。互联网的崛起,使得上述两个优势都受到挑战。其主要原因是:高效、便捷的互联网业务进行到一定程度,其边际成本几乎为零,这样可以快速增长边际利润。以此同时,在用户体验上更加人性化,在信息收集、处理成本方面也会大大降低。另一个总要原因是互联网技术通过大数据、第四代移动通信等现代信息技术对业务信息进行深加工,获得有用的数据来支持决策。以往用人工处理的部分业务,例如传统授信业务,现完全可由计算机根据预定算法、特定模型或其他有效的方式进行自动计算,大大提高了效率,同时也相应的节约了人力资源成本。由于上述两因素的存在,类似像余额宝、养老保、P2P等新兴互联网金融产品模式才会有井喷式的发展,在某种程度上,这将导致了传统金融机构的脱媒。因此,商业银行的转型升级也是迫在眉睫,需制定适合自身的发展规划,使其在这场互联网背景下的战争中保持有效的竞争力。本文以Z银行为研究对象,在互联网背景下对其业务渠道建设相关论述的基础上,通过分析Z银行渠道建设,对渠道再造方法、实施路线、绩效评价等方面进行研究和探索,提出了一些优化设想,目的就是为了在互联网背景下,为我国商业银行在渠道建设方面提供有益的思路和方法。
[Abstract]:In recent years, the Internet industry has developed rapidly. Internet finance, represented by computer information technology, has had a strong impact on the traditional financial industry. The advantage of traditional financial industry is to reduce transaction cost and specialized data processing ability through economies of scale. The rise of the Internet, so that both advantages are challenged. The main reason is: efficient and convenient Internet business to a certain extent, its marginal cost is almost zero, which can rapidly increase the profit margin. At the same time, in the user experience more humane, information collection, processing costs will be greatly reduced. The other reason is that Internet technology processes business information deeply through modern information technology such as big data, fourth generation mobile communication, and obtains useful data to support decision making. Some of the services previously handled manually, such as traditional credit services, can now be computed automatically by computers based on predetermined algorithms, specific models or other effective means, which greatly improves efficiency. At the same time, it also saves the cost of human resources. Due to the existence of these two factors, emerging Internet financial product models such as Yu'e Bao, old-age insurance, P2P and so on will have blowout development. To some extent, this will lead to the disintermediation of traditional financial institutions. Therefore, the transformation and upgrading of commercial banks is urgent, it is necessary to formulate a development plan suitable for their own, so that they can maintain effective competitiveness in the war under the background of the Internet. This article takes Z Bank as the research object, on the basis of the related exposition of its business channel construction under the Internet background, through the analysis Z bank channel construction, carries on the research and the exploration to the channel reconstruction method, the implementation route, the performance appraisal and so on. Some optimization ideas are put forward in order to provide useful ideas and methods for the channel construction of commercial banks in China under the background of Internet.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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