本文選題：吉林蛟河農(nóng)村商業(yè)銀行 + 三個(gè)小伙伴��； 參考：《吉林財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：近年來(lái),電子商務(wù)的蓬勃發(fā)展催生了越來(lái)越多的金融需求,互聯(lián)網(wǎng)金融異軍突起,沖擊傳統(tǒng)銀行企業(yè)。與此同時(shí),隨著利率的市場(chǎng)化傳統(tǒng)銀行間的競(jìng)爭(zhēng)越來(lái)越激烈,如何借助互聯(lián)網(wǎng)拓展新的盈利渠道,實(shí)現(xiàn)戰(zhàn)略轉(zhuǎn)型成為傳統(tǒng)銀行企業(yè)亟待破解的難題。其中發(fā)展電子商務(wù)平臺(tái)(以下簡(jiǎn)稱(chēng)“電商平臺(tái)”)業(yè)務(wù)無(wú)疑是破解上述難題的重要渠道。本文梳理了國(guó)內(nèi)外關(guān)于電商平臺(tái)的研究現(xiàn)狀及成果,同時(shí)介紹了電商平臺(tái)的相關(guān)概念。在此基礎(chǔ)上以吉林蛟河農(nóng)村商業(yè)銀行“三個(gè)小伙伴”業(yè)務(wù)為研究對(duì)象,介紹了“三個(gè)小伙伴”業(yè)務(wù)的內(nèi)容、功能及發(fā)展現(xiàn)狀,深入剖析了“三個(gè)小伙伴”業(yè)務(wù)存在的問(wèn)題。其問(wèn)題主要集中在商品及服務(wù)種類(lèi)、用戶(hù)體驗(yàn)、安全風(fēng)險(xiǎn)、平臺(tái)影響力等方面。并在分析成因的基礎(chǔ)上進(jìn)一步提出蛟河農(nóng)商銀行進(jìn)一步發(fā)展“三個(gè)小伙伴”業(yè)務(wù)的思路與措施�？傮w思路是明確發(fā)展戰(zhàn)略,重視人才培養(yǎng),強(qiáng)化風(fēng)險(xiǎn)意識(shí),走品牌化發(fā)展戰(zhàn)略等,具體的發(fā)展措施是加大金融功能創(chuàng)新,提升平臺(tái)客戶(hù)體驗(yàn),培養(yǎng)和引入電商人才,加大營(yíng)銷(xiāo)力度,加強(qiáng)風(fēng)險(xiǎn)防控,擴(kuò)大企業(yè)合作等。以期通過(guò)上述分析為吉林蛟河農(nóng)村商業(yè)銀行發(fā)展“三個(gè)小伙伴”業(yè)務(wù)提供理論支持,給其他商業(yè)銀行發(fā)展電商平臺(tái)業(yè)務(wù)提供借鑒。
[Abstract]:In recent years, the booming development of electronic commerce has given birth to more and more financial demand. At the same time, with the interest rate marketization of traditional banks more and more fierce competition, how to use the Internet to expand new profit channels to achieve strategic transformation has become a difficult problem for traditional banking enterprises to solve. The development of e-commerce platform (hereinafter referred to as "e-commerce platform") business is undoubtedly an important channel to solve the above problems. In this paper, the research status and achievements of ecommerce platform at home and abroad are reviewed, and the related concepts of ecommerce platform are introduced. On this basis, taking the "three small partners" business of Jiaohe Rural Commercial Bank of Jilin Province as the research object, this paper introduces the contents, functions and development status of the "three small partners" business, and deeply analyzes the problems existing in the "three small partners" business. The problems mainly focus on the types of goods and services, user experience, security risks, platform influence and so on. On the basis of analyzing the cause of formation, the paper puts forward the ideas and measures of Jiaohe Agricultural Commercial Bank to further develop the business of "three small partners". The overall idea is to make clear the development strategy, attach importance to talent training, strengthen the risk consciousness, take the brand development strategy, and so on. The specific development measures are to increase the innovation of financial function, enhance the platform customer experience, train and introduce electric businessman talent, etc. Increase marketing efforts, strengthen risk prevention and control, and expand enterprise cooperation. The purpose of this paper is to provide theoretical support for the development of "three small partners" business of Jiaohe Rural Commercial Bank in Jilin Province, and to provide reference for other commercial banks to develop e-commerce platform business.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.35

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