论我国商业银行手机银行业务的发展前景 .docVIP

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论我国商业银行手机银行业务的发展前景

摘要：当今社会,因为互联网和智能手机的广泛应用,使得“一机在手,天下我有”这一现象已经非常普遍,各式各样的可存钱赚利息的APP,如支付宝、美团等使得传统银行受到前所未有的压力。但手机银行赋予了传统银行新的含义,因此传统银行也顺从这一大趋势,逐步将手机银行当成自己争夺资源、开发客户、拓展业务的便利工具。手机银行在始初时并不被人们所认同,但经过20年的发展,手机银行将其便利性的优势慢慢表现给人们看,因而也被越来越多人所使用。

本文针对我国的商业银行手机银行业务发展前景进行分析,首先对我国商业银行手机银行业务进行简要介绍；其次介绍我国商业银行手机银行的发展情况,主要分为三个部分,第一是我国商业银行手机银行的发展周期进行讲述,二是对手机银行用户定位分析,三是对我国手机银行的优势和劣势进行简要分析；然后从市场、政策、技术这三个方面分析我国商业银行手机银行存在的问题；继而根据这三个方面分析的问题提出解决建议；最后简要讲述我国商业银行手机银行的发展前景。

关键词：手机银行,商业银行,用户,技术

AnalysisontheDevelopmentProspectofMobileBankingBusinessofCommercialBanksinChina

Abstract：Duetothewide?applicationoftheInternetandsmartphones,thephenomenonof“knowingthewholeworldbyamobilephone”hasbeenverycommonnowadays.Traditionalbanksistakingunparalleled?pressurebecauseofvariousapplicationswhichcansavemoneytoearninterest,suchasAlipay,Meituanandsoon.However,mobilebankinggivesanewdefinitiontotraditionalbanks.So,traditionalbanksfollowthistrendandgraduallyusemobilebankingasaconvenienttoolforthemtocompeteforresources,approach?the?new?clientsandexpandbusiness.Mobilebankingwasnotrecognizedgenerallyatthebeginning.However,mobilebankinghasgraduallyshownitsadvantagesofconveniencein20yearsofdevelopment,thereforeithasbeenusedbymoreandmorepeople.

ThisthesisanalyzesthedevelopmentprospectofthemobilebankingbusinessofChinascommercialbanks.Firstly,itgivesabriefintroductionofthemobilebankingbusinessofChinascommercialbanks.Secondly,itintroducesthedevelopmentsituationofmobilebankingofChinascommercialbanks,whichismainlydividedintothreeparts.ThefirstpartisaboutthedevelopmentperiodofmobilebankingofChinascommercialbanks.Thesecondpartistheanalysisofmobilebankinguserpositioning.ThethirdpartisabriefanalysisoftheadvantagesanddisadvantagesofmobilebankinginChina.Thenitanalyzestheproblemsofmobilebankingo