我国商业银行电子银行业务发展中的问题和解决思路.pdf

于“电子银行具有怎样的成本优势，可以给银行带来怎样的收益”这 一问题进行尝试性的探讨。同时对于如何制定合理的电子银行服务价 格，使之不仅能增强银行的盈利能力，而且同时能应对激烈的同业竞 争；如何解决好电子银行交易的安全性问题，增强客户信心等两方面 的问题，提出了解决的办法和思路。 第四章对于电子银行业务管理的有关问题进行了探讨。一是如何 选择经营模式，如何确定银行内部组织形式，以便对该项业务的发展 提供重要的组织保障：二是如何建立合理的考核机制，以实现电子银 行业务长期可持续发展。在解决上述问题后，针对于电子银行业务的 特点，提出做好电子银行客户营销和提高电子银行效益的具体办法和 解决思路。 关键词：电子银行、网上银行、网点调整、并行发展、成本效益、 安全策略、价格决策、经营模式、组织模式。 Abstract Since1 the and ofmodern 990s’，with applicationpopularization internet inthe bank’Sservice business，the technologybanking efficiency and has functionbeen the offinancial greatlyimproved，andtendency and hasbeenenhanced．Asa globalizationgeneralization result，the intoanew has historical Phase．The bankingstepped phase—E—banking innovmionof tothe ofinformation E—bankingadapts development and madmeets e-business theneedsfor technology,intemetglobal innovationand banking competition． Between1980s’and1 westerncommercialbank 990s’，main has finishedthe offinancial andnetwork building system throughcomputer andhasrealizedthe andoffice standardization，modernization automatizationofbusiness as performance．E—business，such ATM，POS and hasbeen the phone—bankingpushedforward．Although development of businessinour is thanthat slower in e-banking country developed tillhave alotin countries．we recent onsome improved years．Focusing inthe of businessand problemsappearingdevelopmente-banking using sometheoriesand of commercial methods，e．g．themanagement banks， andfinancial forwardsome for marketing analysis，thepaper ideas brings the of inChinesecommercial developmente-banking bankswiththe that theideas dosome tothe ofthisnew hope may help development businessin commercialbanksand Chinese other on enlighten may people this subject． Therearefour inthe chapterspaper． reasonand forthe I：First,the of Chapter backgroundrising main e二bankingbusiness；Secondly,thebusiness，the e—banking and about features and conceptions intemet-·banking phone--banking； ofwestern Thirdly,the commercialbanksandthe development prese