中国银行N市分行电子银行服务渠道整合研究

发布时间：2018-05-26 06:05

本文选题：电子银行 + 商业银行　；参考：《河南大学》2013年硕士论文

【摘要】：在信息技术迅猛发展的互联网时代传统银行业面临着全新的变革与挑战，电子商务给银行业带来了全新的发展模式。银行不再仅仅作为金融媒介，并成为支付体系的主要参与者，社会中的个人，组织，企业，都离不开银行业建立起的资金收付清算系统，并记录各类交易信息。现代银行业依赖由计算机和信息技术组成的金融信息网络，以互联网为代表的现代信息科技，特别是云技术、移动支付社交媒体和搜索引擎等，将对传统金融模式产生根本影响。同时互联网企业，第三方支付企业将跻身金融业，与商业银行共同竞争。本文从分析电子渠道发展环境入手，对照商业银行电子渠道发展现状，分析中国银行N市分行电子渠道服务建设的成果和将面临的挑战，，规划出电子渠道服务价值提升的相应对策。从减轻柜台压力、提升收付清算能力，客户使用电子渠道满意度，提出了提升中国银行N市分行电子渠道服务价值层面上的研究结果和管理建议，以求增强中国银行N市分行“服务渠道整合”战略实施的科学性，以有效提升中国银行N市分行服务渠道体系的整体效能。
[Abstract]:With the rapid development of information technology, the traditional banking industry is facing new changes and challenges. E-commerce has brought a new development model to the banking industry. The bank is no longer only a financial medium but also a major participant in the payment system. Individuals, organizations and enterprises in the society are inseparable from the cash settlement system established by the banking industry and record all kinds of transaction information. Modern banking relies on financial information networks made up of computers and information technology, modern information technology represented by the Internet, especially cloud technology, mobile payment social media, search engines, etc. Will have a fundamental impact on the traditional financial model. At the same time Internet enterprises, third-party payment enterprises will join the financial industry, and commercial banks to compete. Based on the analysis of the development environment of electronic channel, this paper analyzes the achievements and challenges of electronic channel service construction in N City Branch of Bank of China, compared with the current situation of electronic channel development in commercial banks. Plan out the corresponding countermeasure of improving the value of electronic channel service. From the aspects of reducing the pressure on the counter, improving the capacity of cash clearing and customer satisfaction with the electronic channel, the paper puts forward the research results and management suggestions on improving the value of electronic channel service in Bank of China N City Branch. In order to enhance the scientific nature of the strategy of "service channel integration" in Bank of China N City Branch, and effectively enhance the overall efficiency of the service channel system of Bank of China N City Branch.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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