中國銀行個人網上銀行項目經濟效益評價分析
發(fā)布時間：2019-02-14 07:29
【摘要】：隨著信息時代的來臨,電子商務、網上支付被人們越來越多的運用。金融業(yè)作為國民經濟運行中一個不可或缺的部分,也必然會受到這種趨勢的影響,加之銀行在傳統(tǒng)經營模式出現瓶頸的情況下,開展網上銀行業(yè)務,即成為其提高經濟效益、穩(wěn)固在市場中競爭地位的關鍵。文章在閱讀大量參考文獻的基礎上首先闡述了經濟效益以及網上銀行經濟效益的相關概念,結合傳統(tǒng)商業(yè)銀行的發(fā)展情況和中國銀行的發(fā)展情況,從宏觀和微觀兩個層面分別分析了影響中國銀行網上銀行項目經濟效益的主要因素,建立了網上銀行經濟效益評價指標體系,選取中國銀行的相關數據作為樣本,對個人網上銀行項目的經濟效益的評價進行實證研究。 本文查閱了湖南省中國銀行2008至2012年的相關經濟數據,整理并計算得到相應的指標原始數據,應用因子分析法對指標數據進行處理,建立相應的數學模型,得到網上銀行經濟效益的評價結果。結果認為影響中國銀行個人網上銀行經濟效益的因素可以總結為中國銀行網銀發(fā)展規(guī)模與客戶對中行網銀的體驗評價兩個因素。在實證分析的基礎上,同時考慮中國銀行經濟效益的各個層面的因素,提出進一步提高中國銀行個人網上銀行項目的經濟效益的對策建議。
[Abstract]:With the advent of the information age, e-commerce, online payment has been used more and more. As an indispensable part of the national economy, the financial industry is bound to be affected by this trend. In addition, the banks in the traditional business mode of bottleneck, the development of online banking business, that is, to improve its economic benefits. The key to securing a competitive position in the market. On the basis of reading a large number of references, the article first expounds the related concepts of economic benefits and economic benefits of online banking, combined with the development of traditional commercial banks and the development of Bank of China. This paper analyzes the main factors that affect the economic benefit of the bank of China's online banking project from the macro and micro aspects, establishes the evaluation index system of the economic benefit of the bank of China, and selects the relevant data of the bank of China as the sample. This paper makes an empirical study on the evaluation of the economic benefits of personal online banking projects. This paper reviews the relevant economic data of Hunan Bank of China from 2008 to 2012, collates and calculates the corresponding original index data, processes the index data by using factor analysis method, and establishes the corresponding mathematical model. Get the evaluation result of economic benefit of internet bank. The results show that the factors that affect the economic benefit of Bank of China's personal online banking can be summarized as two factors: the scale of the development of Bank of China's online banking and the customer's experience evaluation of Bank of China's net banking. On the basis of empirical analysis and taking into account the factors of economic benefit of Bank of China, this paper puts forward some countermeasures and suggestions to further improve the economic benefit of individual online banking project of Bank of China.
【學位授予單位】：中南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2;F724.6
本文編號：2421977
[Abstract]:With the advent of the information age, e-commerce, online payment has been used more and more. As an indispensable part of the national economy, the financial industry is bound to be affected by this trend. In addition, the banks in the traditional business mode of bottleneck, the development of online banking business, that is, to improve its economic benefits. The key to securing a competitive position in the market. On the basis of reading a large number of references, the article first expounds the related concepts of economic benefits and economic benefits of online banking, combined with the development of traditional commercial banks and the development of Bank of China. This paper analyzes the main factors that affect the economic benefit of the bank of China's online banking project from the macro and micro aspects, establishes the evaluation index system of the economic benefit of the bank of China, and selects the relevant data of the bank of China as the sample. This paper makes an empirical study on the evaluation of the economic benefits of personal online banking projects. This paper reviews the relevant economic data of Hunan Bank of China from 2008 to 2012, collates and calculates the corresponding original index data, processes the index data by using factor analysis method, and establishes the corresponding mathematical model. Get the evaluation result of economic benefit of internet bank. The results show that the factors that affect the economic benefit of Bank of China's personal online banking can be summarized as two factors: the scale of the development of Bank of China's online banking and the customer's experience evaluation of Bank of China's net banking. On the basis of empirical analysis and taking into account the factors of economic benefit of Bank of China, this paper puts forward some countermeasures and suggestions to further improve the economic benefit of individual online banking project of Bank of China.
【學位授予單位】：中南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2;F724.6
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，本文編號：2421977
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