本文選題：城市商業(yè)銀行 + 電子銀行�。� 參考：《貴州財經大學》2013年碩士論文

【摘要】：城市商業(yè)銀行是根據國家發(fā)展的需要服務于城市經濟建設的而籌建發(fā)展的銀行，他們是我國現(xiàn)階段商業(yè)銀行體系中一支日漸重要的生力軍，是在化解原來城市信用社風險、深化改革要求的基礎上發(fā)展起來的。城市商業(yè)銀行在完善我國金融體系、協(xié)助當?shù)亟鹑诎l(fā)展、為居民提供就業(yè)崗位和服務便利方面發(fā)揮了難以替代和不可小覷的作用。近年來，城市商業(yè)銀行經過自身的不懈努力，，通過引進國內國外戰(zhàn)略投資者、跨區(qū)域重組聯(lián)營等途徑改善了資產質量、擴充了資本實力，城市商業(yè)銀行的發(fā)展又邁上了一個新臺階，北京銀行、南京銀行、寧波銀行這三家銀行發(fā)展優(yōu)秀的城市商業(yè)銀行還加入了上市銀行的行列。在新的信息時代，城市商業(yè)銀行推出電子銀行業(yè)務，在發(fā)展的過程中出現(xiàn)的新特點，發(fā)展策略這一新問題更值得學術界進行研究。本文首先闡述了城市商業(yè)銀行的內涵和特征，從城市信用合作社即城市商業(yè)銀行的前身介紹起，詳細論述了城市商業(yè)銀行的發(fā)展歷程、在我國金融體系發(fā)展中起到的作用以及中國加入世貿組織后，城市商業(yè)銀行新的發(fā)展趨勢。隨后，本文介紹了電子銀行的內涵和特征，其中包括電子銀行的四項子業(yè)務網絡銀行、電話銀行、手機銀行、自助銀行，分別從其各自內涵，運營特征（收益，風險，市場競爭）等幾個方面逐項介紹。為我國城市商業(yè)銀行的發(fā)展電子銀行提供了可借鑒的建議。接著本文針對城市商業(yè)銀行發(fā)展電子銀行的制約因素，建立了合理的評價城市商業(yè)銀行發(fā)展電子銀行業(yè)務的綜合指標體系，構建出一套合理的模型，并比較嚴格的論證出電子銀行各項子業(yè)務的發(fā)展次序，為城市商業(yè)銀行發(fā)展電子銀行業(yè)務提出建議，并對我國城市商業(yè)銀行未來的發(fā)展道路作出了相應的建議。這也是本文的研究重點和創(chuàng)新之處。在研究方法上，本文將規(guī)范分析和實證分析進行了結合使用。首先闡述城市商業(yè)銀行的概念、特點、歷史發(fā)展和作用等，這些是規(guī)范分析的范疇；又通過結合文獻研究確定影響城市商業(yè)銀行發(fā)展電子銀行業(yè)務的指標，以及收集我國專家和銀行從業(yè)人員對城市商業(yè)銀行發(fā)展電子銀行業(yè)務的觀點，且做了問卷調查，分析各項指標對于城市商業(yè)銀行發(fā)展各項電子銀行子業(yè)務的影響程度和相對重要性，使用yaahp軟件進行AHP分析，對影響城市商業(yè)銀行發(fā)展電子銀行業(yè)務員的因素進行了實證分析；本文在結尾中再次使用規(guī)范分析，對城市商業(yè)銀行未來的發(fā)展在電子銀行業(yè)務方面列出了一些具有參考價值的建議。根據之前的參考文獻來看，我國學術界對于城市商業(yè)銀行發(fā)展電子銀行業(yè)務的研究雖然歷史不算短暫，但在研究文獻中，規(guī)范分析占絕大部分，而且基本上是局限于先闡述城市商業(yè)銀行發(fā)展電子銀行現(xiàn)今存在的缺陷進而提出解決的建議。少量有實證分析的文獻，實證分析部分也只是將收集到的城市商業(yè)銀行的數(shù)據進行橫向或縱向的比較，使用模型進行實證分析的論文非常有限。因此本文使用問卷調查法，收集有關專家及銀從業(yè)人員有關電子銀行的統(tǒng)計數(shù)據，并進行實證分析，這具有一定的創(chuàng)新性，對研究我國城市商業(yè)銀行的發(fā)展問題也有一定的實際意義。
[Abstract]:The city commercial bank is a bank which serves the development of the city's economic construction according to the needs of the national development. They are an increasingly important force in the commercial bank system of our country at the present stage. It is developed on the basis of resolving the original risk of the city credit cooperatives and deepening the requirements of the reform. The financial system has played an irreplaceable and irreplaceable role in assisting local financial development and providing jobs and service convenience for the residents. In recent years, the urban commercial banks have improved the quality of assets through the introduction of domestic and foreign strategic investors and cross regional reorganization, and expanded the capital reality through their unremitting efforts. The development of urban commercial banks has stepped up a new step. The three banks, Beijing bank, Nanjing bank and Ningbo bank, have developed excellent urban commercial banks to join the ranks of listed banks. In the new information age, the urban commercial banks launch electronic banking business, the new characteristics and development strategies in the process of development. A new problem is more worthy of academic research. This paper first expounds the connotation and characteristics of urban commercial banks. From the predecessor of the city commercial bank, the development process of urban commercial banks, the role of the city commercial banks in the development of China's financial system and the city after China's entry into the WTO are discussed in detail. The new trend of commercial banks' development. Then, this paper introduces the connotation and characteristics of electronic banks, including the four sub business network banks, telephone banks, mobile banking and self-help banks, which are introduced separately from their respective connotations, operating characteristics (income, risk, market competition) and other aspects. The development of electronic bank provides some useful suggestions. Then, in view of the restrictive factors of the development of electronic banks by urban commercial banks, a comprehensive index system for evaluating the development of electronic banking business by urban commercial banks is set up, a set of reasonable models are built, and the sub business of electronic banks is proved to be more strict. In order to make suggestions for the development of electronic banking business of urban commercial banks and to make some suggestions for the future development of urban commercial banks in China. This is also the focus and innovation of this paper. In the study method, the normative analysis and empirical analysis are put into combination. First of all, the City Commercial Bank is expounded. The concept, characteristics, historical development and role, these are the categories of normative analysis, and through the combination of literature research to determine the indicators that affect the development of electronic banking business by urban commercial banks, and collect the views of Chinese experts and banking practitioners on the development of electronic banking business of urban commercial banks. The impact degree and relative importance of the item on the development of electronic bank sub business of urban commercial banks, the AHP analysis using Yaahp software, the empirical analysis on the factors affecting the development of electronic bank salesmen by urban commercial banks, and the future development of urban commercial banks using the normative analysis in the end. According to the previous references, the history of the research on the development of electronic banking by urban commercial banks in China is not short, but in the literature, the normative analysis occupies a great part, and it is basically limited to the first exposition of urban commerce. The existing defects of the bank to develop the electronic bank and then put forward the proposal to solve the problem. A small amount of empirical analysis of the literature, the empirical analysis part is only a horizontal or vertical comparison of the data of the city commercial banks collected, and the paper using the model for empirical analysis is very limited. The statistical data about the electronic bank of the experts and the employees of the banking industry and the empirical analysis are carried out. This is of certain innovation and has some practical significance for the research of the development of urban commercial banks in China.
【學位授予單位】：貴州財經大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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