【摘要】：上世紀90年代，銀行掀起了新一輪的創(chuàng)新浪潮，這一次的改革使得信息技術(shù)逐漸融入到銀行日常的經(jīng)營管理活動中，對傳統(tǒng)銀行的經(jīng)營模式和服務(wù)方式產(chǎn)生了巨大的影響，電子銀行業(yè)務(wù)就此誕生。電子銀行業(yè)務(wù)是依托計算機技術(shù)的發(fā)展，以網(wǎng)絡(luò)為媒介，在為顧客提供及時、完善的金融自助服務(wù)的同時，大大降低了銀行的運營成本，為銀行創(chuàng)造了巨大的利潤空間，并且加速了金融業(yè)務(wù)的創(chuàng)新。到目前為止，電子銀行業(yè)務(wù)儼然成為商業(yè)銀行改變發(fā)展模式、提高競爭實力的一個有效渠道，是商業(yè)銀行業(yè)務(wù)發(fā)展的一種必然選擇。因此，通過國內(nèi)外電子銀行業(yè)務(wù)發(fā)展的比較分析，借鑒其先進經(jīng)驗，發(fā)現(xiàn)自身發(fā)展過程中存在的不足，從而提出相應(yīng)的改進措施，這對于我國電子銀行業(yè)務(wù)今后的發(fā)展意義深遠。 本文首先介紹了電子銀行業(yè)務(wù)的概念、種類和特征，并且將電子銀行業(yè)務(wù)與傳統(tǒng)銀行業(yè)務(wù)進行比較，對新時期下兩者之間的關(guān)系給予了客觀理性的界定。在此理論基礎(chǔ)上，，分別對國內(nèi)外商業(yè)銀行電子銀行業(yè)務(wù)的發(fā)展情況進行詳細的介紹。其中，在對國外電子銀行業(yè)務(wù)的發(fā)展情況進行概述時，分別就四種不同的基本業(yè)務(wù)在各個國家的發(fā)展情況進行一個總體的描述，以此得出國外電子銀行業(yè)務(wù)發(fā)展的特點。另外，在對我國電子銀行業(yè)務(wù)的發(fā)展進行現(xiàn)實分析時，以介紹各業(yè)務(wù)的發(fā)展歷程與現(xiàn)狀為鋪墊，選取幾家商業(yè)銀行作為代表對其具體的發(fā)展情況和相關(guān)數(shù)據(jù)進行分析，從而結(jié)合現(xiàn)實情況，反映出我國電子銀行業(yè)務(wù)發(fā)展的特點及存在的問題。同時，選取7家商業(yè)銀行電子銀行業(yè)務(wù)交易額與總資產(chǎn)收益率為研究樣本進行回歸分析，對我國電子銀行業(yè)務(wù)與商業(yè)銀行績效之間的關(guān)系進行實證檢驗，得出兩者之間存在正相關(guān)關(guān)系。然后，結(jié)合上述有關(guān)國內(nèi)外電子銀行業(yè)務(wù)的發(fā)展情況進行比較分析，發(fā)現(xiàn)我國電子銀行業(yè)務(wù)在產(chǎn)品功能和服務(wù)、營銷機制、人才培養(yǎng)、風險控制等幾個方面與國外還存在一定的差距，并以此為依據(jù)得出幾點啟示，為今后我國電子銀行業(yè)務(wù)的發(fā)展提供參考。
[Abstract]:In the 1990s, the bank set off a new wave of innovation, this time the reform of information technology gradually integrated into the bank's daily management activities, the traditional banking business model and service has had a huge impact. This is the birth of electronic banking business. Electronic banking business is relying on the development of computer technology, taking the network as the medium, while providing timely and perfect financial self-service for customers, it greatly reduces the operating cost of banks and creates a huge profit space for banks. And accelerated the innovation of financial business. Up to now, electronic banking business has become an effective channel for commercial banks to change their development mode and improve their competitive strength, which is an inevitable choice for the development of commercial banks' business. Therefore, through the comparative analysis of the development of electronic banking business at home and abroad, drawing lessons from its advanced experience, we find out the shortcomings in our own development process, and then put forward the corresponding improvement measures. This is of great significance to the future development of electronic banking in China. This paper first introduces the concept, types and characteristics of electronic banking business, and compares the electronic banking business with the traditional banking business, and gives an objective and rational definition of the relationship between them in the new period. On the basis of this theory, the development of electronic banking business of commercial banks at home and abroad is introduced in detail. Among them, when the development of foreign electronic banking business is summarized, the development of four different kinds of basic business in each country is described in a general way, and the characteristics of the development of foreign electronic banking business are obtained. In addition, when analyzing the development of electronic banking business in our country, we choose several commercial banks as representatives to analyze its specific development situation and related data, which is based on the introduction of the development course and current situation of each business. Combining with the reality, it reflects the characteristics and problems of the development of electronic banking in China. At the same time, the relationship between the electronic banking business and the performance of commercial banks in China is empirically tested by using the regression analysis of the transaction volume and the total return on assets of 7 commercial banks. It is concluded that there is a positive correlation between the two. Then, by comparing and analyzing the development of the electronic banking business at home and abroad, we find that the electronic banking business in our country has the function and service of products, marketing mechanism and talent training. There is still a certain gap between the risk control and foreign countries, and based on this, some revelations are obtained, which will provide a reference for the development of electronic banking in China in the future.
【學(xué)位授予單位】：山西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2;F724.6

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