本文選題：甘肅銀行 + 網(wǎng)絡(luò)信貸��； 參考：《蘭州大學(xué)》2014年碩士論文

【摘要】：進(jìn)入21世紀(jì)以來(lái),從互聯(lián)網(wǎng)技術(shù)的大躍進(jìn)到銀行網(wǎng)絡(luò)技術(shù)的拓展都極大地促進(jìn)了銀行信息技術(shù)的巨大變化,深刻地改變了銀行的傳統(tǒng)經(jīng)營(yíng)模式。為了拓展市場(chǎng),一些大中型商業(yè)銀行率先發(fā)展網(wǎng)絡(luò)信貸業(yè)務(wù),充分利用網(wǎng)絡(luò)信貸快速便利的特性吸引客戶(hù)、推廣業(yè)務(wù)。網(wǎng)絡(luò)信貸為商業(yè)銀行占領(lǐng)市場(chǎng)、拓展市場(chǎng)提供了可能,并逐漸成為占領(lǐng)市場(chǎng)的利器。 甘肅銀行作為城市商業(yè)銀行,由于其成立較晚,目前尚未開(kāi)展網(wǎng)絡(luò)信貸業(yè)務(wù),但為了突破傳統(tǒng)業(yè)務(wù)發(fā)展瓶頸,搶占市場(chǎng)先機(jī),提高競(jìng)爭(zhēng)力,發(fā)展網(wǎng)絡(luò)信貸業(yè)務(wù)乃是大勢(shì)所趨。 本文以甘肅銀行為研究對(duì)象,探討其網(wǎng)絡(luò)信貸業(yè)務(wù)發(fā)展問(wèn)題。全文共分為六個(gè)部分。第一部分簡(jiǎn)要闡述了論文的研究背景與意義、研究思路以及國(guó)內(nèi)外對(duì)于網(wǎng)絡(luò)銀行和網(wǎng)絡(luò)信貸的相關(guān)研究綜述；第二部分概述了競(jìng)爭(zhēng)戰(zhàn)略理論和市場(chǎng)細(xì)分理論,為后文的研究奠定理論基礎(chǔ)；第三部分在概述甘肅銀行信貸業(yè)務(wù)發(fā)展現(xiàn)狀的基礎(chǔ)上分析了其傳統(tǒng)信貸業(yè)務(wù)存在的問(wèn)題；第四部分從內(nèi)部與外部?jī)蓚�(gè)視角分析了甘肅銀行發(fā)展網(wǎng)絡(luò)信貸業(yè)務(wù)的機(jī)遇與挑戰(zhàn),旨在為甘肅銀行網(wǎng)絡(luò)信貸業(yè)務(wù)發(fā)展策略選擇提供依據(jù)；第五部分從產(chǎn)品策略、促銷(xiāo)策略、風(fēng)險(xiǎn)防范策略等三個(gè)方面對(duì)甘肅銀行發(fā)展網(wǎng)絡(luò)信貸業(yè)務(wù)提出了具有可操作性的策略選擇建議；第六部分從IT平臺(tái)建設(shè)和人才培養(yǎng)兩個(gè)方面探討了甘肅銀行網(wǎng)絡(luò)信貸業(yè)務(wù)發(fā)展的基礎(chǔ)保障。
[Abstract]:Since the beginning of the 21st century, the great leap forward of Internet technology and the expansion of bank network technology have greatly promoted the great changes of bank information technology and profoundly changed the traditional management mode of banks. In order to expand the market, some large and medium-sized commercial banks take the lead in developing network credit business, making full use of the rapid and convenient characteristics of network credit to attract customers and promote business. The network credit provides the possibility for the commercial banks to occupy the market and expand the market, and gradually becomes the sharp weapon to occupy the market. Gansu Bank, as a city commercial bank, has not carried out network credit business because of its late establishment. However, in order to break through the bottleneck of traditional business development, seize the market first, improve competitiveness and develop network credit business, it is the trend of the times. This article takes Gansu Bank as the research object, discusses its network credit business development question. The full text is divided into six parts. The first part briefly describes the research background and significance of the paper, research ideas and domestic and international network banking and network credit related research overview; the second part summarizes the competitive strategy theory and market segmentation theory. The third part analyzes the problems existing in the traditional credit business of Gansu Bank on the basis of summarizing the present situation of the development of bank credit business in Gansu Province. The fourth part analyzes the opportunities and challenges of Gansu Bank's development of network credit business from the internal and external perspectives, aiming at providing the basis for the selection of strategies for the development of Gansu bank's network credit business, the fifth part from the product strategy, promotion strategy, Three aspects of risk prevention strategy for Gansu Bank to develop network credit business put forward operable suggestions for the choice of strategies; The sixth part discusses the basic guarantee of the development of network credit business of Gansu Bank from two aspects of IT platform construction and talent training.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2;F832.4

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