农业银行网上银行业务分析.docxVIP

PAGE PAGE I 农业银行网上银行业务分析 摘要：随着信息技术的高速发展和互联网的快速普及，以互联网为核心的信息技术革命已经到来，大数据、云计算以及移动互联的汹涌浪潮，带来的不单纯是技术上的进步，也带来整个社会行为模式的转变。处于信息技术发展浪潮中的银行业同样正在经受不断的挑战，电子银行功能、服务等需要不断创新。第三方支付、外资银行投入互联网金融的竞争，其先进的服务营销理念结合其经验丰富、技术先进的电子化手段令人耳目一新，争夺金融市场的硝烟已经燃起，营业网点众多、点多面广将不再是农业银行的优势。电子银行作为银行一种全新的服务方式，它在一定程度上影响着银行业的发展方向，并进一步影响着银行业的竞争格局和管理模式。电子银行业务在分流柜面压力、降低经营成本、提高客户忠诚度等方面发挥越来越重要的作用。 关键词：农业银行；网上银行；现状；策略 Abstract: with the rapid development of information technology and rapid popularization of Internet, information technology revolution centered on Internet has arrived, and the surging tide of big data cloud computing and mobile interconnection brings not only technological progress. It also brings about a transformation of social behavior patterns. Banking industry is also undergoing continuous challenges in information technology development tide, electronic banking functions, services etc. need to innovate constantly. Third party pay and foreign banks invest in Internet finance competition, its advanced service marketing idea combines its experience rich, advanced technology electronic means makes refreshing, fighting for financial market smoke has been ignited, Many outlets and multiple points will no longer be an advantage for agricultural banks. As a brand new service mode electronic banking affects the direction of banking development to some extent and further influences competition pattern and management mode of banking industry. Electronic banking plays an increasingly important role in diverting pressure from counter reducing operating cost improving customer loyalty etc. Keywords: agricultural Bank; online Banking; status quo; strategy  目 录 TOC \o 1-3 \h \z \u 1、前言 1 2、电子银行概述及相关理论 1 2.1电子银行业务的基本概念 1 1.电子银行的定义 1 2.电子银行的分类 2 2.2电子银行的组织形式 2 3农业银行电子银行业务发展的现状分析 3 3.1农业银行电子银行发展整体情况 3 3.2电子银行客户质量发展现状 5 3.3农业银行电子银行发展存在的问题 6 4电子银行业务发展策略分析 9 4.1明确业务战略定位，实施优先发展战略 9 4.2改革考核激励机制，激发内部经营活力 10 4.3加快产品服务创新，实现渠道融合发展 11 4.3.1以创新发展战略指导，明确产品发展定位 11 4.3.2因