广发银行电子银行业务存在的问题及对策研究-工商管理专业论文.docxVIP

Abstract Abstract With continuous innovation and development of Intemet technology,the Intemet economy has entered a stage of rapid development，while in the case of a mixed financial sector appears obvious business，the development of the traditional banking business received much pressure，with constant innovation and development， competition increasingly intense，banks of development is bound to innovate and explore new areas of development，the emergence of electronic banking to find a new direction for the bank development．Electronic banking is a new innovation in the field of development banks，its own main advantage of low transaction costs，low operating costs，as well as unlimited service time for customers tO provide personalized service and SO on．By using the method of combining theory with practice，development of CGB electronic banking for more profound analysis．First analyzes the problems encountered during the development process，then focusing on analysis of the causes of such problems，finally，CGB itself in the development of electronic banking features of countermeasures． Key words：CGB，electronic banking，countermeasure，Electronic payment II 万方数据 目 目 录 第一章 引言 1 1．1研究背景和研究意义 l 1．1．1研究背景 ．1 1．1．2研究意义 ．2 1．2文献综述 2 1．2．1国外文献综述 ．2 1．2．2国内文献综述 ．3 1．2．3文献综述评述 ．5 1．3研究方法和研究思路 5 1．3．1研究方法 ．5 1．3．2研究思路 ．6 1．4论文框架结构 6 第二章 电子银行业务概述 8 2．1电子银行业务的基本概念及主要类型 8 2．1．1电子银行的定义 ．8 2．1．2电子银行业务的主要类型 ．8 2．2电子银行业务的功能与特点 9 2．2．1客户的咨询投诉 10 2．2．2客户账户管理、查询 10 2．2．3挂失和申请 10 2．2．4支付功能 10 2．2．5便民服务 11 2．3电子银行业务对传统银行业务带来的影响 ．．1 1 第三章广发银行电子银行业务发展现状 ．13 3．1广发银行电子银行业务发展的历程 ．．13 3．2广发银行电子银行业务展的特点 ．．1 3 3．3广发银行电子银行业务的优势 ．．16 3．3．1自身品牌与产品的优势 17 3．3．2掌握互联网思维、技术和方法的优势 18 III 万方数据 3．3．3无形资产优势 3．3．3无形资产优势 19 第四章广发银行电子银行业务发展中存在的问题及原因 ．20 4．1广发银行电子银行业务发展存在的问题 ．．20 4．1．1产品功能及设计不能够满足客户多元化的需求 20 4．1．2安全问题频出 2 1 4．1．3用户的接受程度低 21 4．1．4支付功能没有被完全接受 22 4．1．5缺乏客户关系维护 22 4．2原因分析 ．．22 4．2．1监管方式滞后 22 4．2．2产品开发理念落后 23 4．2．3基层员工对电子银行业务的认识不足 ． ．．24 4．2．4风险防范不足 25 4．2．5营销深度不够 26 4．2．6考核激励机制不完善 27 4．2．7专业技术人才不足 27 第五章促