本文選題：電子銀行　切入點(diǎn)：建行沈陽地區(qū)　出處：《遼寧大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：電子銀行泛指銀行利用電子化網(wǎng)絡(luò)通訊技術(shù)從事與銀行相關(guān)的活動(dòng),服務(wù)的方式通過因特網(wǎng)、電話網(wǎng)絡(luò)、手機(jī)通訊等,隨著商業(yè)銀行信息化水平的不斷提高,電子銀行業(yè)務(wù)已經(jīng)成為各商業(yè)銀行服務(wù)的另一渠道,是傳統(tǒng)銀行服務(wù)方式的延伸,是原有業(yè)務(wù)服務(wù)、產(chǎn)品營銷、品牌推廣的另一窗口,已成為銀行業(yè)務(wù)經(jīng)營的重要組成部分,已成為展示銀行經(jīng)營形象和競(jìng)爭(zhēng)實(shí)力的重要窗口。電子銀行其可以不受時(shí)間、地點(diǎn)的限制向客戶提供各種標(biāo)準(zhǔn)化、個(gè)性化的服務(wù),可以大幅度降低銀行經(jīng)營成本、提高銀行經(jīng)營效率和增強(qiáng)銀行爭(zhēng)奪客戶的核心競(jìng)爭(zhēng)能力,電子銀行業(yè)務(wù)在銀行日常運(yùn)營體系中扮演著日趨重要的角色,代表著金融業(yè)發(fā)展的未來。 對(duì)于金融業(yè)來說,產(chǎn)品、客戶和運(yùn)營,這三大要素決定一個(gè)金融企業(yè)的競(jìng)爭(zhēng)力,過去銀行發(fā)展靠單一因素即可發(fā)展,比如在產(chǎn)品或客戶方面擁有優(yōu)勢(shì),都可以獲得領(lǐng)先地位,但在未來利率市場(chǎng)化的環(huán)境下,運(yùn)營的效率決定競(jìng)爭(zhēng)力。本文圍繞建行沈陽地區(qū)電子銀行業(yè)務(wù)的發(fā)展進(jìn)行了詳細(xì)的研究,闡述了建行電子銀行的分類、定義、功能和發(fā)展態(tài)勢(shì),重點(diǎn)圍繞建行沈陽地區(qū)電子銀行業(yè)務(wù)發(fā)展現(xiàn)狀,對(duì)其與國內(nèi)同業(yè)電子銀行業(yè)務(wù)進(jìn)行了比較分析,從產(chǎn)品推廣的角度,運(yùn)用運(yùn)營理論對(duì)當(dāng)前制約建行沈陽地區(qū)電子銀行業(yè)務(wù)發(fā)展的各種因素進(jìn)行了論述,指出電子銀行業(yè)務(wù)運(yùn)營中發(fā)現(xiàn)的問題,提出改進(jìn)措施,逐步拉近與國內(nèi)同業(yè)的距離,提升市場(chǎng)份額,提高電子銀行中間業(yè)務(wù)收入,為相關(guān)同業(yè)提供借鑒經(jīng)驗(yàn)。
[Abstract]:Electronic banking generally refers to the use of electronic network communication technology to engage in bank-related activities, services through the Internet, telephone networks, mobile phone communications, and so on. With the continuous improvement of the level of information technology in commercial banks, Electronic banking has become another channel for commercial banking services, an extension of traditional banking services, another window for original business services, product marketing and brand promotion, and has become an important part of banking operations. It has become an important window to show the bank's operating image and competitive strength. Electronic banking can provide customers with various standardized and personalized services without time and place restrictions, which can greatly reduce the operating costs of banks. To improve the efficiency of bank management and enhance the core competitive ability of banks to compete for customers, electronic banking plays an increasingly important role in the daily operation system of banks, representing the future of the development of the financial industry. For the financial industry, products, customers and operations determine the competitiveness of a financial enterprise. In the past, the development of banks could be developed by a single factor, such as having an advantage in products or customers and gaining a leading position. However, in the future interest rate marketization environment, the efficiency of operation determines the competitiveness. This paper focuses on the development of the electronic banking business in Shenyang area of CCB, and expounds the classification, definition, function and development trend of the electronic bank of CCB. Focusing on the current situation of the development of electronic banking business in Shenyang area of CCB, a comparative analysis is made between the electronic banking business of China Construction Bank and its domestic counterparts, and from the point of view of product promotion, This paper discusses various factors restricting the development of electronic banking business in Shenyang area of China Construction Bank by using the operation theory, points out the problems found in the operation of electronic banking business, and puts forward some improvement measures to gradually narrow the distance between the electronic banking business and its domestic counterparts. Enhance market share, increase the income of e-banking intermediary business, and provide reference experience for related peers.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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