本文關(guān)鍵詞：南京銀行電子業(yè)務(wù)發(fā)展模式及效益研究　出處：《南京農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 電子銀行 發(fā)展 效益

【摘要】：在互聯(lián)網(wǎng)發(fā)展日趨成熟和電子商務(wù)迅猛發(fā)展的今天,電子銀行作為一種重要的金融服務(wù)渠道越來越受到人們的重視,電子銀行越來越普及,越來越多的用戶開始使用電子銀行的產(chǎn)品和服務(wù)。我國商業(yè)銀行發(fā)展的重點(diǎn)和大勢所趨之一便是大力發(fā)展電子銀行。南京銀行作為一家城市商業(yè)銀行如何在各大行的電子銀行業(yè)務(wù)發(fā)展中異軍突起,開拓一條符合自己經(jīng)營特色的電子銀行發(fā)展道路,是南京銀行在未來發(fā)展中面對的一個重要課題。本文首先回顧國內(nèi)外關(guān)于電子銀行發(fā)展的文獻(xiàn),進(jìn)行文獻(xiàn)綜述,在此基礎(chǔ)上,指出電子銀行蓬勃的發(fā)展趨勢、存在的問題及發(fā)展的作用,通過文獻(xiàn)概述指出發(fā)展電子銀行對城市商業(yè)銀行發(fā)展的重要作用。這些文獻(xiàn)對國內(nèi)外的金融機(jī)構(gòu)發(fā)展電子銀行具有參考作用,同時這些文獻(xiàn)大部分是研究國有銀行或大型股份制商業(yè)銀行的電子銀行的發(fā)展,針對城市商業(yè)銀行的研究大多停留在傳統(tǒng)業(yè)務(wù)的階段,鮮有針對我國城市商業(yè)銀行的電子銀行的特點(diǎn)及其獨(dú)特性,指出發(fā)展電子銀行城市商業(yè)銀行發(fā)展電子銀行的情況。本文首先對現(xiàn)有的商業(yè)銀行電子銀行業(yè)務(wù)的發(fā)展模式進(jìn)行借鑒,分析和總結(jié)了國外電子銀行的發(fā)展現(xiàn)狀、模式和經(jīng)驗(yàn)借鑒,并對國內(nèi)電子銀行發(fā)展的模式進(jìn)行總結(jié)分析,這些發(fā)展情況和特點(diǎn)以及開展情況值得城市商業(yè)銀行學(xué)習(xí),強(qiáng)調(diào)電子銀行的發(fā)展對城市商業(yè)銀行的意義所在。其次本文對南京銀行電子銀行的發(fā)展模式進(jìn)行分析,包括南京銀行電子銀行如網(wǎng)上銀行、手機(jī)銀行、電話銀行、短信銀行、自助銀行的發(fā)展現(xiàn)狀,南京銀行將電子銀行作為傳統(tǒng)銀行的內(nèi)部機(jī)構(gòu)這一發(fā)展模式,指出南京銀行電子銀行在發(fā)展過程中存在的優(yōu)勢與不足。接著本文對南京銀行電子銀行的發(fā)展效益進(jìn)行分析,主要包括基礎(chǔ)業(yè)務(wù)和創(chuàng)新業(yè)務(wù),其業(yè)務(wù)總體發(fā)展勢頭良好,在近幾年發(fā)展迅猛,交易量與交易數(shù)額都得到了飛速發(fā)展,為南京銀行取得了可喜的盈利。其中,在發(fā)展模式方面,南京銀行電子業(yè)務(wù)的起步時間較晚,業(yè)務(wù)發(fā)展速度有待加強(qiáng)。但南京銀行的網(wǎng)上銀行業(yè)務(wù)功能多樣,服務(wù)完善,用戶滿意度較高。手機(jī)銀行方面,基本上能夠涵蓋大部分手機(jī)版本,具有多樣化的功能,滿足了客戶隨時、隨地的便捷服務(wù)要求。在電話銀行服務(wù)方面有待加強(qiáng),服務(wù)類型需要多樣化。南京銀行電子業(yè)務(wù)效益評價中發(fā)現(xiàn)：網(wǎng)上銀行中企業(yè)網(wǎng)銀的增長速度要快于個人網(wǎng)銀,個人網(wǎng)銀中的代繳費(fèi)功能由于操作不夠便捷,交易金額呈現(xiàn)下降趨勢。在來電對人工坐臺進(jìn)行咨詢中,電子銀行業(yè)務(wù)所占比重較大,其次是個人業(yè)務(wù)和貸記卡業(yè)務(wù),對公司業(yè)務(wù)的咨詢量最少。自助銀行的每單交易金額2013年后有所改善,短信銀行的客戶使用量較多,需要繼續(xù)進(jìn)行發(fā)掘。本文進(jìn)一步對南京銀行電子銀行業(yè)務(wù)的市場占比進(jìn)行了分析,南京銀行發(fā)展良好,其電子業(yè)務(wù)在其全部業(yè)務(wù)中占有度高,且在今后的發(fā)展中注意拓展業(yè)務(wù)、產(chǎn)品、市場和客戶,將為南京銀行帶來更多的利潤。最后本文對文章的全部內(nèi)容進(jìn)行全面梳理,得出結(jié)論并提出相關(guān)的政策建議。
[Abstract]:The development of the rapid development of increasingly mature and electronic commerce in the Internet today, electronic banking as an important financial service channel has attracted more and more attention, electronic banking is becoming more and more popular, more and more users begin to use electronic banking products and services. One of the key and represent the general trend of development of commercial banks in China is to develop the electronic the bank. The Bank of Nanjing as a city commercial bank in the major line of electronic banking business development A new force suddenly rises. a development path in line with the development, electronic banking their operating characteristics, is an important topic facing the Bank of Nanjing in the future development. This paper firstly reviews the literature about the development of electronic banking, literature review, on this basis, pointed out that the rapid development trend of electronic banking, existing problems and development, through the literature OverviewThe pointed out An important role in the development of electronic banking on the development of city commercial banks. The development of electronic banking financial institutions to the literature at home and abroad as a reference, and most of these documents is the development of electronic banking of state owned banks or large joint-stock commercial banks, according to the research of City Commercial Banks mostly stay in the traditional business stage, few characteristics in view of China's City Commercial Bank's electronic banking and the unique development of electronic banking, it is pointed out that the development of city commercial banks electronic banking situation. Firstly, the development model of the existing commercial bank electronic banking business for reference, analyzes and summarizes the development status of foreign electronic banking, modes and experience, and the development of domestic electronic the bank's model were analyzed, the development situation and characteristics and development of city commercial banks is worth learning, strong The development of electronic banking regulation of city commercial banks. Then the paper analyzes the significance of the development mode of Nanjing electronic banking, including the Bank of Nanjing electronic banking such as online banking, mobile phone banking, telephone banking, SMS banking, the current situation of the development of self-service banking, the Bank of Nanjing electronic banking as the internal mechanism of the development of traditional banking model, points out the existing in the development of Nanjing's electronic banking advantages and disadvantages. Then this paper analyzes the development efficiency of Nanjing electronic banking, mainly including the basic business and create new business, its business overall good momentum of development, in recent years the rapid development, trading volume and transaction amount has made rapid development. Made gratifying profits for the Bank of Nanjing. Among them, in the mode of development, the Bank of Nanjing electronic business started late, the pace of development of business needs But the Bank of Nanjing. To strengthen the online banking functions, perfect service, customer satisfaction is high. Mobile phone bank, basically can cover most of the mobile phone version, has a variety of functions, to meet customer service requirements at any time, anywhere convenient. In the telephone banking service needs to be strengthened and diversified service needs. The Bank of Nanjing found the evaluation type electronic business benefits: Internet Banking Companies in the net growth rate is faster than personal online banking, payment of personal banking function because the operation is not convenient, the transaction amount decreased. In the call for consultation in artificial electronic banking platform, accounted for a larger proportion, followed by personal and business credit card business consulting the amount of the company's business. At least 2013 per transaction amount of self-service banking after improved, SMS banking customers use amount is more, need Continue to explore the market in Nanjing. This paper further electronic banking business accounting are analyzed, and development of the Bank of Nanjing is good, the electronic business occupies a high degree in all of its business, and in the future development of attention to expand the business, products, markets and customers, will bring more profits to the Bank of Nanjing at the end of this paper. All the contents of the paper are systematically, draws the conclusion and puts forward relevant policy suggestions.

【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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