本文選題：銀行 + 電子渠道　； 參考：《內(nèi)蒙古大學(xué)》2012年碩士論文

【摘要】：銀行作為社會(huì)的金融中介,是社會(huì)支付體系的主體,經(jīng)濟(jì)運(yùn)行的每一個(gè)經(jīng)濟(jì)主體,都是通過(guò)銀行建立起資金往來(lái)關(guān)系,并完成各種商品和服務(wù)的交易。銀行業(yè)是一個(gè)資本密集型的行業(yè),具有信息服務(wù)業(yè)的性質(zhì),無(wú)論是在發(fā)達(dá)地區(qū)或者落后地區(qū),銀行業(yè)都是計(jì)算機(jī)和網(wǎng)絡(luò)技術(shù)的最早和最大的應(yīng)用者,是最適應(yīng)于網(wǎng)絡(luò)時(shí)代的產(chǎn)業(yè)之一。在電子商務(wù)和網(wǎng)絡(luò)經(jīng)濟(jì)模式下,傳統(tǒng)銀行面臨著機(jī)遇和挑戰(zhàn),電子商務(wù)給銀行業(yè)帶來(lái)了無(wú)限的發(fā)展機(jī)遇和商機(jī)。銀行是整個(gè)社會(huì)貨幣流的載體,更是引導(dǎo)信息流和物流的基本平臺(tái),在電子商務(wù)中發(fā)揮著主導(dǎo)性的作用。在一個(gè)信息技術(shù)高速發(fā)展的時(shí)代,在一個(gè)消費(fèi)者需求不斷變化的時(shí)代,商業(yè)銀行如果不隨機(jī)應(yīng)變,失去的不僅僅是客戶(hù)和利潤(rùn),甚至?xí)皇袌?chǎng)無(wú)情淘汰。電子商務(wù)為銀行提供了一個(gè)全新的業(yè)務(wù)領(lǐng)域,為銀行獲得中間業(yè)務(wù)收入、加快產(chǎn)品創(chuàng)新步伐、吸引網(wǎng)絡(luò)時(shí)代的客戶(hù)、轉(zhuǎn)變經(jīng)營(yíng)和服務(wù)模式創(chuàng)造了很好的機(jī)會(huì)。本文從分析電子渠道發(fā)展環(huán)境入手,對(duì)照同業(yè)商業(yè)銀行電子渠道服務(wù)概況,分析郵儲(chǔ)銀行電子渠道服務(wù)發(fā)展現(xiàn)狀和存在問(wèn)題,提出電子渠道服務(wù)價(jià)值提升策略。從補(bǔ)充延伸物理渠道服務(wù)、提升電子支付服務(wù)能力、客戶(hù)使用電子渠道體驗(yàn),農(nóng)村電子渠道服務(wù)支付網(wǎng)絡(luò)建設(shè),提出了提升郵儲(chǔ)銀行電子渠道服務(wù)價(jià)值層面上的研究結(jié)果和管理建議。
[Abstract]:As the financial intermediary of the society, the bank is the main body of the social payment system. Every economic subject in the economic operation establishes the capital exchange relationship through the bank, and completes the transaction of various goods and services. Banking is a capital-intensive industry with the nature of information services. Whether in developed or backward areas, banking is the earliest and largest application of computer and network technology. It is one of the most suitable industries in the internet age. Under the mode of electronic commerce and network economy, traditional banks are faced with opportunities and challenges, and electronic commerce brings unlimited development opportunities and business opportunities to the banking industry. The bank is the carrier of the whole social money flow and the basic platform to guide the information flow and logistics. It plays a leading role in the electronic commerce. In an era of rapid development of information technology and changing consumer demand, commercial banks will lose not only customers and profits, but also market ruthless elimination if they do not adapt to the situation. E-commerce provides a new business field for banks, which creates a good opportunity for banks to obtain intermediate business revenue, speed up the pace of product innovation, attract customers in the network era, and change the mode of operation and service. Based on the analysis of the development environment of electronic channel and the general situation of electronic channel service in commercial banks, this paper analyzes the present situation and existing problems of electronic channel service of postal savings bank, and puts forward some strategies to enhance the value of electronic channel service. From the complementary extension of physical channel services to enhance the ability of electronic payment services, customers use electronic channels experience, rural electronic channel service payment network construction, The research results and management suggestions on enhancing the value of postal savings bank electronic channel service are put forward.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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