上海农商银行上海农商银行网上银行系统的优化研究.docxVIP

上海农商银行论文：上海农商银行网上银行系统的优化研究 【中文摘要】随着互联网的不断普及和银行自身的大力推动，我 国网上银行的业务发展十分迅速,逐渐成为个人和企业获得金融服务 的一个重要渠道。目前,我国各家银行几乎都有了网上银行，近几年的 网银客户数也迅猛增长，很多客户都接受了网银服务。从发展趋势来 看，我国网上银行的服务水平已逐步向国际水平靠拢和看齐。尽管如 此，从近几年的网银数据和客户反映来看，与发达国家相比，我国网上 银行在安全性、易用性和产品功能等客户普遍关注的方面还存在不 足。本论文通过对国内外网上银行的现状与发展方向的研究，基于网 上银行需要安全、易用、功能多样化的特点，对上海农商银行网上银 行在安全性、易用性和产品功能三方面存在的问题进行了剖析，并结 合上海农商银行发展战略规划,提出了网上银行的优化改进方案。同 时，该优化方案在上海农商银行网上银行中付诸实施后取得了很好的 效果。最后,本论文提出了随着上海农商银行网上银行发展的后续改 进建议，在于使上海农商银行的网上银行将获得客户的青睐和使用， 成为客户日常生活的一部分。 【英文摘要】With the growing popularity of Internet and the great promotion efforts of the banks themselves, online banking business of China has been developing rapidly, and gradual 1y becoming an important channel that individuals and enterprises can access to financial services.At present, almost all the banks of China have online banking? In recent years, the number of online banking customers are also growing rapidly, and many customers have accepted the online banking service?From the development trend,online banking service level of China has been gradually move closer to international standards?Nevertheless, from the online banking data and customer reflect of recent years, at the same time, compared with developed countries, online banking of China still exist shortcomings in security, ease of use and product features that customers common concerns.This theory is to analyze online banking status and direction of research home and abroad, based on features of online banking that needs security, ease of use,feature-rich, and analyzes the three problems that online banking of Shanghai Rural Commercial Bank has on security, ease of use and product features? Combined with the Shanghai Rural Commercial Bank strategic development plan, this theory put forward optimization and improvement suggestions of online banking?Meanwhile, combined with actual situation of Shanghai Rural Commercial Bank, some of the suggestions of online banking for improvement in Shanghai Rural Commercial Bank are in implementation