五发展线上下结合网络银行实体店的管理意见-THEOL网络教学综合.DOCVIP

2014年大学生创新创业训练计划成果 线上下结合网络银行实体店调查报告 作 者 学 院 指导教师 摘 要 在大数据的今天，面对互联网企业的强烈冲击，传统银行运作模式已经落伍，银行所要做的是变革和创新，改变原有的过分依赖于实体网点、分支机构和人员数量的增加来拓展经营的发展模式。基于此背景，本项目组决定对部分互联网企业和商业银行进行走访，分析未来互联网金融的发展趋势。我组创新性地提出网络银行实体店模式，该模式以线上“标准化”银行产品提供为主，以线下实体店咨询反馈为辅，形成线上线下共同发展的创新模式。 本文共包括以下五个部分：第一章对调查研究的背景、内容和方法进行综述，对研究框架进行梳理。第二章,对调查问卷的设计进行阐述。第三章,对前期调查问卷所收集的数据进行分析和总结，包括描述性统计分析和相关分析。第四章，对国内外线上线下结合发展网络银行的具体事件进行分析。最后，对该模式的发展提出管理建议。 关键词：网络银行 线上线下相结合 实体店 ABSTRACT Today, facing the strong impact of Internet enterprises, traditional banking operation pattern has already behind the times. The primary task of banks is change and innovation. Development of original bank relies too much on the amount of physical stores, branches and number of employees, which should be changed in the future. Based on this background, we decided to visit some Internet enterprises and commercial banks, in order to analyze and predict the trend of Internet finance. We innovatively put forward a new model that operate online bank in physical method. This model mainly provide standardized products same in physical banks online, while customers can consult and give feedback information in offline bank. Then, offline and online banking are both in full bloom. This essay is divided into five parts. Part 1 generally states the background, content and methodology of the investigation. Part 2 focus on the investigation designing process. Part 3 is the analysis and conclusion of the data collected before, including descriptive statistical analysis and correlation analysis. Part 4 discuss some worldwide examples that combine the online and offline methods to develop online banking. Part 5 offers a series of proposal in management level. Key words: Online banking, Combine online and offline methods, Physical store 目 录 一、前言 2 （一）调查研究的背景与意义 2 （二）调研的主要内容 3 （三）研究思路和方法 3 二、调查问卷设计 4 （一）调查问卷前测 4 （二）调查问卷的发放与回收 4 三、数据总结与分析 5 （一）描述性统计分析 5 （二）相关性分析 6 四、国内外线上下结合项目的具体实践 7 （一）国外线上下结合项目的典例 7 （二）国内线上下结合项目的发展现状 8 五．发