包商银行电子银行业务发展战略研究

发布时间：2018-05-03 08:56

本文选题：包商银行 + 电子银行　；参考：《内蒙古大学》2014年硕士论文

【摘要】：随着互联网技术的不断成熟,网络经济进入了飞速发展时期,同时在金融混业经营日益明显的背景下,银行传统业务的盈利水平正在受到挤压,加之竞争也越来越激烈,银行业的业务革新势在必行,电子银行的诞生恰好为银行的转型提供了契机。电子银行作为交易服务渠道和新型分销方式,不仅深刻的改变了人们的生活习惯,也已成为各商业银行在当今发展中不可或缺的竞争手段。作为银行业务的新型实现形式,电子银行的优势体现在无服务时间限制、低交易成本、低运营成本、客户资源无限量、便捷性、友好客户体验等方面。本文首先从商业银行电子银行业务种类入手,介绍主要的电子银行业务,同时对我国商业银行电子银行业务发展过程做了回顾,描绘出一个电子银行业务的发展轨迹。接下来介绍包商银行发展历程,叙述包商银行目前传统业务及电子银行业务的状况,提出了包商银行在电子银行业务发展中的困惑。通过PEST分析方法,对包商银行所处的政治、经济、社会、技术环境进行详细分析,同时阐述了银行业整体竞争情况,探讨与包商银行同规模的竞争对手的电子银行业务发展情况,引出包商银行电子银行业务发展的机会与威胁。接下来通过分析包商银行的人力、客户、管理、营销、财务等资源与条件,研究包商银行的优势与劣势。最后利用SWOT战略分析法,紧紧围绕全行总体战略来制定包商银行的电子银行发展战略,通过探索发展直销银行、金融电子商务、渠道整合等重点领域,使包商银行在转变经营模式及实现未来战略转型方面能够先声夺人,建设有包商特色的电子银行业务发展模式。
[Abstract]:With the continuous maturity of Internet technology, the network economy has entered a period of rapid development. At the same time, under the background of increasingly obvious financial mixed operation, the profit level of traditional banking business is being squeezed, and the competition is becoming more and more fierce. The innovation of banking business is imperative, and the birth of electronic banking provides an opportunity for the transformation of banks. Electronic banking as a transaction service channel and a new type of distribution has not only profoundly changed people's living habits but also become an indispensable competitive means of commercial banks in the development of today. As a new realization form of banking, the advantages of electronic banking are no service time limit, low transaction cost, low operating cost, unlimited customer resources, convenience, friendly customer experience and so on. This paper begins with the types of electronic banking business of commercial banks and introduces the main electronic banking business. At the same time, the development process of electronic banking business of commercial banks in China is reviewed, and the development track of electronic banking business is described. Then it introduces the development course of the contractor bank, describes the traditional business of the contractor bank and the status of the electronic banking business, and puts forward the puzzlement of the contractor bank in the development of the electronic banking business. By means of PEST analysis, this paper analyzes the political, economic, social and technological environment of the contractor bank in detail, and expounds the overall competition situation of the banking industry. This paper discusses the development of electronic banking business of competitors of the same size as the contractor's bank, and leads to the opportunities and threats of the development of the electronic banking business of the contractor's bank. Then, by analyzing the manpower, customer, management, marketing, financial and other resources and conditions of the contractor bank, this paper studies the strengths and weaknesses of the contractor bank. Finally, by using the SWOT strategic analysis method, closely surrounding the overall strategy of the whole bank to formulate the electronic banking development strategy of the contractor bank, through exploring the development of direct selling bank, financial e-commerce, channel integration and other key areas. So that the contractor bank in the transformation of business model and the realization of strategic transformation in the future can get ahead of the others to build a contractor characteristics of electronic banking business development model.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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