發(fā)布時(shí)間：2018-11-18 09:45

【摘要】：無錫工行是在總行、省行領(lǐng)導(dǎo)下的二級分行，下轄兩個(gè)縣域支行，十個(gè)城區(qū)支行。截至2012年6月末，無錫工行本外幣存款余額超千億元；本外幣貸款余額超800億元。 無錫工行資產(chǎn)規(guī)模與盈利能力在全國工行系統(tǒng)內(nèi)的二級分行中均名列前茅，但近幾年，國內(nèi)金融業(yè)競爭日益激烈。無錫工行面臨著外部競爭和內(nèi)部轉(zhuǎn)型的巨大壓力。隨著互聯(lián)網(wǎng)和電子商務(wù)的發(fā)展，電子銀行業(yè)務(wù)以其低廉的成本和廣闊的前景，已越來越得到商業(yè)銀行的重視，發(fā)展電子銀行業(yè)務(wù)是各商業(yè)銀行轉(zhuǎn)型發(fā)展的趨勢所在。 無錫工行電子銀行業(yè)務(wù)的發(fā)展面臨激烈的競爭，現(xiàn)行將電子銀行業(yè)務(wù)僅作為傳統(tǒng)業(yè)務(wù)補(bǔ)充的發(fā)展思路，，以及順其自然的業(yè)務(wù)增長模式已嚴(yán)重制約了電子銀行業(yè)務(wù)的發(fā)展。本文對無錫工行電子銀行業(yè)務(wù)進(jìn)行專題研究，以便為企業(yè)的發(fā)展找到新的機(jī)會(huì)。 首先，對商業(yè)銀行電子銀行業(yè)務(wù)進(jìn)行了綜述，分析了電子銀行的特點(diǎn)及風(fēng)險(xiǎn)；對國內(nèi)外電子銀行的發(fā)展現(xiàn)狀和典型實(shí)踐進(jìn)行了研究。 其次，運(yùn)用五力模型對無錫工行的競爭環(huán)境進(jìn)行了分析；運(yùn)用SWOT分析方法對無錫工行的發(fā)展環(huán)境進(jìn)行了分析；在上述分析的基礎(chǔ)上，提出了無錫工行應(yīng)采取差異化的競爭戰(zhàn)略和進(jìn)攻型的發(fā)展戰(zhàn)略；在此基礎(chǔ)上推出了無錫工行要實(shí)現(xiàn)以上戰(zhàn)略目標(biāo)，大力發(fā)展電子銀行業(yè)務(wù)是必然選擇，并運(yùn)用戰(zhàn)略管理的原理闡述了電子銀行業(yè)務(wù)的發(fā)展戰(zhàn)略應(yīng)該與無錫工行的總體戰(zhàn)略一致。 之后，通過翔實(shí)的業(yè)務(wù)數(shù)據(jù)和問卷調(diào)查的方法，對無錫工行電子銀行業(yè)務(wù)發(fā)展情況進(jìn)行分析，提出了該行電子銀行業(yè)務(wù)發(fā)展中應(yīng)該重點(diǎn)關(guān)注的問題。 最后筆者根據(jù)該行的發(fā)展戰(zhàn)略，針對電子銀行業(yè)務(wù)發(fā)展的制約因素，根據(jù)創(chuàng)建卓越的效率、品質(zhì)、創(chuàng)新的基本思想，提出了制定無錫工行電子銀行業(yè)務(wù)發(fā)展對策的總體原則和具體對策。同時(shí)提出了每個(gè)對策的指導(dǎo)思想和可行的實(shí)施方案。本研究對無錫工行電子銀行業(yè)務(wù)的發(fā)展具有重要的參考意義。
[Abstract]:Wuxi Industrial and Commercial Bank is in the head office, provincial bank under the leadership of the second branch, under the jurisdiction of two county branches, 10 urban branches. At the end of June 2012, the balance of local and foreign currency deposits of ICBC in Wuxi exceeded 100 billion yuan, and the balance of local and foreign currency loans exceeded 80 billion yuan. The asset scale and profitability of ICBC in Wuxi are among the top in the secondary branches of ICBC system in China, but in recent years, the competition in domestic financial industry has become increasingly fierce. Wuxi Industrial and Commercial Bank of China (ICBC) is facing great pressure from external competition and internal transformation. With the development of Internet and electronic commerce, electronic banking has been paid more and more attention by commercial banks because of its low cost and broad prospect. The development of electronic banking is the trend of the transformation and development of commercial banks. The development of ICBC's electronic banking business in Wuxi is facing fierce competition. The current development of electronic banking business as a supplement to traditional business, as well as the mode of business growth has seriously restricted the development of electronic banking business. This paper makes a special study on ICBC's electronic banking business in Wuxi in order to find new opportunities for the development of enterprises. Firstly, this paper summarizes the electronic banking business of commercial banks, analyzes the characteristics and risks of electronic banking, and studies the development status and typical practice of electronic banks at home and abroad. Secondly, the paper analyzes the competitive environment of ICBC in Wuxi by using the five-force model, and analyzes the development environment of ICBC in Wuxi by using SWOT analysis method. On the basis of the above analysis, the paper puts forward that ICBC in Wuxi should adopt a differentiated competitive strategy and an offensive development strategy. On the basis of this, the author puts forward that ICBC of Wuxi wants to realize the above strategic goal, it is inevitable to develop electronic banking business vigorously, and expounds that the development strategy of electronic banking business should be consistent with the overall strategy of ICBC in Wuxi by using the principle of strategic management. After that, through the method of detailed business data and questionnaire, this paper analyzes the development of ICBC's electronic banking business in Wuxi, and puts forward the problems that should be paid attention to in the development of this bank's electronic banking business. Finally, according to the development strategy of the bank, aiming at the restricting factors of the development of electronic banking, according to the basic idea of creating excellent efficiency, quality and innovation, The general principles and specific countermeasures for the development of ICBC's electronic banking in Wuxi are put forward. At the same time, the guiding ideology and feasible implementation plan of each countermeasure are put forward. This research has important reference significance for the development of ICBC's electronic banking business in Wuxi.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

【共引文獻(xiàn)】

相關(guān)期刊論文 前3條

1 王景洲;;商業(yè)銀行發(fā)展電子銀行業(yè)務(wù)的制約因素及對策[J];金融理論與實(shí)踐;2006年01期

2 秦瑞金;我國網(wǎng)絡(luò)銀行業(yè)的SWOT分析[J];市場周刊.研究版;2005年01期

3 孟建華;;電子銀行業(yè)務(wù)中的洗錢與反冼錢[J];新金融;2006年01期

相關(guān)博士學(xué)位論文 前1條

1 陳育明;品牌驅(qū)動(dòng)式銀行管理研究[D];復(fù)旦大學(xué);2007年

相關(guān)碩士學(xué)位論文 前10條

1 徐福泰;大慶油田太北作業(yè)區(qū)管理模式的建立及進(jìn)一步探討[D];哈爾濱工程大學(xué);2003年

2 桂昕;商業(yè)銀行客戶經(jīng)理制探討[D];中國海洋大學(xué);2005年

3 王錦虹;深發(fā)展天津分行客戶關(guān)系管理研究[D];清華大學(xué);2004年

4 翟微瀾;國有商業(yè)銀行的C-P-A分析及其市場定位戰(zhàn)略[D];東北財(cái)經(jīng)大學(xué);2005年

5 王景麗;個(gè)人汽車消費(fèi)信貸問題及對策研究[D];西南農(nóng)業(yè)大學(xué);2005年

6 余芳;論現(xiàn)代商業(yè)銀行的客戶戰(zhàn)略[D];吉林大學(xué);2005年

7 李林;完善我國商業(yè)銀行客戶經(jīng)理制對策研究[D];鄭州大學(xué);2005年

8 景在倫;商業(yè)銀行客戶評價(jià)和客戶結(jié)構(gòu)優(yōu)化研究[D];中國海洋大學(xué);2005年

9 汪闊朋;我國商業(yè)銀行客戶經(jīng)理及其管理研究[D];中國海洋大學(xué);2005年

10 李泓;湘潭市商業(yè)銀行客戶經(jīng)理制研究[D];中南大學(xué);2005年

本文編號：2339692