承德工行电子银行业务发展策略的研析.docVIP

Classified Index: U.D.C:  CODE: 10075 NO: 46010011001  A Dissertation for the Degree of M. Management A Study on the Development Strategies for ICBC Chengde Branch Electronic Banking Service Candidate: Sheng Ying Supervisor: Prof. Zhang ShuangCai Academic Degree Applied: Professional Master Degree Specialty: Business Administration University: Hebei University Date of Oral Examination: June,2013 摘 摘  要 要  电子银行作为传统银行的升级版，它不仅是一种完全不同以往的银行理念，更是一 种全新的金融服务方式。电子银行的出现已经从根本上改变着金融模式，对银行业乃至 金融业的发展产生了极为重要和深刻的影响。电子银行为银行业所带来的深刻变化，一 方面表现在可以为商业银行创造数量更为庞大的用户群，在此基础上会有更为巨大利润 的产生，并使其核心竞争力得到质的提升。另一方面，电子银行还使银行业的服务方式、 管理模式以及整体的竞争格局均发生了深刻变化，这种变化也使传统银行业朝着更加多 元化的方向发展。在可预见的未来，随着电子银行业的进一步发展，谁能够把握住电子 银行业这一法宝，谁就将在未来银行业竞争中赢得先机。 具体到我国而言，电子银行业务经过了十余年“跑马圈地”式的发展,形成了一定 的客户规模，也建立了自己的业务体系，但也不可必免地积累了一些问题。尤其是在当 前同业竞争形势日趋白热化、支付领域的创新和市场参与者的增多、客户行为和需求更 加多元化个性化的情况下，如何兴利除弊,加快发展,是迫切需要解决的问题。 本文运用比较分析法从分析国内外商业银行电子银行业务发展状况入手, 针对承 德工行电子银行业务发展实际、将其与国内同业电子银行业务的发展进行对比，指出了 其具有的优势及存在的问题，提出了承德工行电子银行业务要实现持续健康发展应采取 的扩大客户规模、优化结构、加快创新、提高创收能力、加强售后服务及完善风险管理 等 6 方面策略。  关键词  承德工行 电子银行 发展策略  I Abstract Abstract Electronic bank as upgrade edition of traditional bank , is not only a completely different concept about bank, but also a new way of financial services. The emergence of electronic banking has changed the financial model radically, and has the important and profound influence on banking industry or even financial industry. The profound influences on banking industry take on two sides: First, electronic bank provides a larger client group and produce enormous profit, which makes the qualitative promotion on core competence. Second, Electronic banking also brings in great changes on banking service, management mode and  the competitive landscape, which leads  the traditional banking industry into the  diversification development. With the future development of electronic banking, the industry, which holds the the magic weapon- electronic banking, will win advantage in the future competition. In China, electro