手机银行业务对商业银行经营的影响.doc

手机银行业务对商业银行经营的影响 摘要： 手机银行是一个利用无线通讯信息技术，使客户随时随地在手机上处理银行业务的平台。20世纪末，我国银行推出了手机银行业务，但由于技术还不够完善一直难以被大众接受。随着近年来电子信息技术飞速发展，手机不再是传统的通信工具。人们对手机的依赖越来越强，手机银行已步入快速成长阶段。银行提供的手机银行业务，在方便客户办理业务的同时，也在节约成本的基础上抢占了市场份额。这也打破了人们对传统商业银行的依赖，影响了人们传统的银行观念，对传统商业银行产生了巨大的冲击和影响。本文旨在研究手机银行业务对商业银行经营的影响，并从中得出启示：我国商业银行该如何利用自身优势与手机银行相融合，寻找新的发展与突破，推动银行业的创新，实现可持续发展，进而得出在手机银行快速发展的背景下传统商业银行的应对策略。 关键词：手机银行，商业银行，影响，策略 The influence of Internet finance on commercial Banks Abstract： Mobile banking is a platform that enables customers to handle banking on mobile phones anytime, anywhere using wireless communication and information technology.At the end of the 20th century, Chinese banks launched mobile banking business, but it has been difficult to be accepted by the public because the technology is not perfect enough.With the rapid development of electronic information technology in recent years, mobile phone is no longer a traditional communication tool.People rely more and more on mobile phones, mobile banking has entered the stage of rapid growth.The mobile banking business provided by the bank, while convenient for customers to handle business, but also on the basis of cost savings to seize the market share. It also breaks peoples dependence on traditional commercial banks, affects peoples traditional bank concept, and has a great impact and influence on traditional commercial banks. The purpose of this paper is to study the influence of mobile banking business on the operation of commercial banks, and draw inspiration from it: how should Chinese commercial banks make use of their own advantages to integrate with mobile banking, to find new development and breakthrough, to promote the innovation of banking, to achieve sustainable development, and then to draw the coping strategies of traditional commercial banks under the background of the rapid development of mobile banking. Keywords： Mobile banking，Commercial Banks，Influence, Strategy PAGE 16 PAGE 16 目 录 TOC \o 1-3 \h \u 11339