本文選題：電子銀行　切入點：發(fā)展模式　出處：《蘭州大學》2014年碩士論文

【摘要】：近年來,信息技術與互聯(lián)網電子商務蓬勃發(fā)展,商業(yè)銀行在信息技術的大浪潮中不斷發(fā)展金融創(chuàng)新,從中獲得更多新的發(fā)展機會。銀行、保險、證券等正規(guī)金融機構,一直是互聯(lián)網金融乃至整個金融市場的主要力量,然而伴隨互聯(lián)網的繁榮發(fā)展,近期卻涌現(xiàn)出一些P2P網絡借貸平臺爭相搶占電子銀行業(yè)務的資源,甚至占據了第三方支付的猛烈勢頭。特別是在銀行銀根吃緊的當前,商業(yè)銀行不單面臨著服務網格從傳統(tǒng)的物理競爭轉變?yōu)殡娮踊赖娘L險與挑戰(zhàn),更需強大技術創(chuàng)新、服務創(chuàng)新、渠道創(chuàng)新和功能創(chuàng)新來應對民間草根網絡借貸平臺的挑戰(zhàn)。 本文對比各商業(yè)銀行電子銀行業(yè)務的發(fā)展狀況,結合電子銀行業(yè)務概念、特征、分類及發(fā)展模式等等方面內容,通過宏微觀環(huán)境分析,探討以信息時代變遷為背景的環(huán)境中,商業(yè)銀行如何根據自身確立電子銀行的戰(zhàn)略目標,在保障可控風險的前提下達到業(yè)務持續(xù)、協(xié)調發(fā)展、提升競爭力的目標。同時對電子銀行業(yè)務產生的風險加以分析,研究商業(yè)銀行應對不同風險的管理措施,以安全、有效的服務更好的發(fā)展自身。
[Abstract]:In recent years, information technology and Internet e-commerce have flourished. Commercial banks are constantly developing financial innovation in the big wave of information technology, thus obtaining more new development opportunities. Banks, insurance, securities and other formal financial institutions, It has always been the main force of the Internet finance and even the entire financial market. However, with the prosperity of the Internet, some P2P network lending platforms have emerged recently to scramble to seize the resources of the electronic banking business. Commercial banks are facing not only the risks and challenges of changing the service grid from traditional physical competition to electronic channels, but also the need for strong technological innovation. Service innovation, channel innovation and function innovation to meet the challenge of folk grassroots network lending platform. This paper compares the development of electronic banking business of commercial banks, combining with the concept, characteristics, classification and development mode of electronic banking business, through macro and micro environment analysis, discusses the environment with the background of the change of the information age. How to establish the strategic goal of electronic bank according to its own, and to achieve the goal of business continuity, coordinated development and enhance competitiveness under the premise of ensuring controllable risks. At the same time, the risks arising from electronic banking business are analyzed. Research commercial banks to deal with different risk management measures, in order to security, effective services to better develop themselves.
【學位授予單位】：蘭州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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本文編號：1655849