本文選題：商業(yè)銀行　切入點(diǎn)：金融創(chuàng)新　出處：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在我國(guó)加入WTO五年過(guò)渡期結(jié)束后,外資銀行開(kāi)始正式邁入我國(guó)金融市場(chǎng)。面對(duì)我國(guó)各銀行巨大的資源優(yōu)勢(shì)、穩(wěn)定的客戶群體,外資銀行開(kāi)始以電子銀行業(yè)務(wù)作為突破口,與國(guó)內(nèi)各大商業(yè)銀行開(kāi)展競(jìng)爭(zhēng)。隨著競(jìng)爭(zhēng)的不斷加劇,國(guó)內(nèi)幾乎所有商業(yè)銀行都開(kāi)始意識(shí)到建立電子銀行,創(chuàng)新并改進(jìn)電子銀行相關(guān)產(chǎn)品對(duì)自身的重大意義,并逐步將構(gòu)建電子銀行、創(chuàng)新電子銀行產(chǎn)品納入銀行可持續(xù)發(fā)展的戰(zhàn)略性任務(wù)中,并在資金供給和人才配置上給予了很大的支持。在這樣的背景下,如何創(chuàng)新電子銀行產(chǎn)品,如何保持產(chǎn)品創(chuàng)新性以促進(jìn)我國(guó)銀行業(yè)發(fā)展成為了我國(guó)商業(yè)銀行目前應(yīng)當(dāng)探討的問(wèn)題,同時(shí)也是本文將要研究的主要內(nèi)容。 本文共包括五個(gè)部分,首先從理論入手,采用文獻(xiàn)研究法,大量閱讀我國(guó)及國(guó)外學(xué)者的研究成果,并對(duì)其中部分學(xué)者的文獻(xiàn)進(jìn)行綜述,闡述本文選題背景和選題意義,提出可能的創(chuàng)新點(diǎn)。其次,在第二章簡(jiǎn)述了電子銀行和金融創(chuàng)新理論,根據(jù)本文所涉及的內(nèi)容采用較為適當(dāng)?shù)亩x,對(duì)電子銀行金融創(chuàng)新的起因進(jìn)行分析,闡述其給我國(guó)銀行業(yè)乃至金融業(yè)帶來(lái)的影響。第三章運(yùn)用歸納分析法分析了國(guó)外及我國(guó)電子銀行產(chǎn)品創(chuàng)新現(xiàn)狀,由此形成對(duì)比,隨后提出我國(guó)電子銀行產(chǎn)品創(chuàng)新過(guò)程中所存在的問(wèn)題,結(jié)合第四章日本手機(jī)銀行發(fā)展案例、我國(guó)工商銀行手機(jī)銀行、招商銀行微信銀行等多個(gè)案例分析,在第五章中提出包括轉(zhuǎn)變運(yùn)營(yíng)方式、規(guī)范政策法規(guī)、加強(qiáng)人才管理等相關(guān)政策建議,試圖為我國(guó)電子銀行產(chǎn)品創(chuàng)新未來(lái)發(fā)展指出一條改進(jìn)之路。
[Abstract]:After the transition period of five years after China's entry into WTO, foreign banks began to enter the financial market of our country. In the face of the huge resource advantage and stable customer group of Chinese banks, foreign banks began to take electronic banking as the breakthrough point. As the competition intensifies, almost all the domestic commercial banks begin to realize the importance of establishing electronic banks, innovating and improving related products of electronic banks. And gradually bring the construction of electronic banking, innovation of electronic banking products into the strategic task of sustainable development of banks, and give a lot of support in the supply of funds and the allocation of talents. Under this background, how to innovate electronic banking products, How to keep the innovation of products in order to promote the development of China's banking industry has become a problem that should be explored by commercial banks in our country at present, and it is also the main content of this paper to be studied. This paper consists of five parts. First of all, we use the literature research method to read a lot of the research results of Chinese and foreign scholars, and summarize some of the scholars' literature, and explain the background and significance of this topic. Secondly, in the second chapter, the author briefly describes the theory of electronic banking and financial innovation, and analyzes the causes of financial innovation in electronic banking by adopting a more appropriate definition according to the content involved in this paper. The third chapter analyzes the innovation status of electronic banking products in foreign countries and China by inductive analysis. Then put forward the problems existing in the process of innovation of electronic banking products in our country, combined with the development cases of Japanese mobile banking in Chapter 4th, the mobile phone bank of Industrial and Commercial Bank of China, the WeChat Bank of China Merchants Bank, and so on. In chapter 5th, the author puts forward some policy suggestions, such as changing operation mode, standardizing policies and regulations, strengthening talent management and so on, in an attempt to point out a way to improve the future development of electronic banking product innovation in China.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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本文編號(hào)：1599162