电子银行发展前景

专 业 学 位 硕 士 学 位 论 文

辽宁工行电子银行业务发展战略研究

A Study on the Strategic Developing of

ICBC Liaoning Branch Electronic Banking

作 者 姓 名：

学科、专业 ： 工商管理

学 号 ：

指 导 教 师：

完 成 日 期：

北京邮电计算机大学

Beijing University of Posts and Telecommunications

独创性说明

作者郑重声明：本硕士学位论文是我个人在导师指导下进行的研究工作及取得研究成果。尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写的研究成果，也不包含为获得北京邮电计算机大学或者其他单位的学位或证书所使用过的材料。与我一同工作的同志对本研究所做的贡献均已在论文中做了明确的说明并表示了谢意。

作者签名： 日期：

大连理工大学专业学位硕士学位论文

摘 要

电子银行（Electronic Banking）作为一种全新的银行理念和服务方式，已经对银行业的发展产生了极其重要的影响，并正在进一步的改变着银行业的服务方式、管理模式和竞争格局，使传统的银行业发生着一场革命性的巨大变革。电子银行业务以其开放性、实时性、互动性等特点，可以为客户量身定制全面、高效、稳定的理财及现金管理服务。根据国外银行的研究报告表明:对于一家商业银行而言，只拥有活期存款账户的客户，50%会在1-2年内离开；只拥有定期存款账户的客户，30%会离开；而同时拥有定期、活期、网上银行账户的客户，最终选择离开的比率只有1-2%。可见电子银行业务在维护客户、提高客户依赖度方面发挥着非常重要的作用。

但与此同时，电子银行是一种全新的银行理念和服务方式，在发展中难免会出现一些以前不曾遇到过的新情况、新问题，尤其是我国电子银行业务起步较晚、技术相对落后、发展相对滞后，由此而带来的新问题层出不穷，需要我们本着实事求是的态度去面对和解决。本文对论题的研究采用理论与实践相结合的方式，采用提出问题、分析问题、解决问题的技术路线，从剖析国内电子银行发展状况出发，重点研究并系统分析中国工商银行股份有限公司辽宁分行电子银行业务发展过程中比较突出的问题，论证了辽宁工行电子银行应巩固水泥加鼠标的战略发展模式，并提出了适合辽宁工行电子银行业务的发展措施，试图对推进辽宁工行电子银行业务的发展提出些有价值和可操作的建议。

关键词：银行；电子银行业务；发展战略

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辽宁工行电子银行业务发展战略研究

A Study on the Strategic Developing of

ICBC Liaoning Branch Electronic Banking

Abstract

Electronic banking (Electronic Banking) as a new banking concepts and services, the development of the banking sector has created an extremely important influence, and are further changes in the way banking services、management and competitive landscape, place in the traditional banking industry a revolutionary in the world. Electronic banking business with its open, real-time, interactive features can be customized for clients a comprehensive, efficient and stable financial and cash management services. According to a foreign bank study shows that: For a commercial bank, has only demand-deposit accounts, and 50% in the 1-2 years left, only customers with deposit accounts, 30% would leave, while at the same time have a regular basis, Demand, online bank account customers, and ultimately choose to leave the ratio of only 1-2%. This show that electronic banking business in the maintenance of customers, improve customer dependence on play a very important role.

At the same time, e-banking is a new concept in banking and services, in the course of development will inevitably have never experienced before some of the new situation and new problems, especially China's electronic banking business late start, the relatively backward technology、development is relatively backward, and thus the new problems are emerging, we need to take a realistic approach to face and solve. On the subject of this paper used in combining theory and practice approach adopted by problems, analyze and resolve problems in the technology line, and from analysis of the domestic situation of the development of e-banking, research and analysis focused on the Bank of China Co., Ltd. of Liaoning - electronic banking firms in the development of a prominent problem, demonstrating the Liaoning ICBC e-banking should consolidate and cement the strategic development of a mouse model, and put forward suitable Liaoning ICBC electronic banking business development initiatives, in an attempt to promote electronic Liaoning ICBC for the development of banking business more valuable and actionable recommendations.

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大连理工大学专业学位硕士学位论文

Key words: Bank electronic banking; development strategy

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大连理工大学专业学位硕士学位论文

目 录

摘 要 ..................................................................................................................................... I Abstract ..................................................................................................................................... II

引 言 .................................................................................................................................... 3

1 电子银行业务的理论回顾 .................................................................................................. 4

1.1 电子银行的定义 ....................................................................................................... 4

1.2 电子银行业务形成的历史背景 ............................................................................... 4

1.3 电子银行的四个发展阶段及现状 ........................................................................... 5

1.4 电子银行业务的特点及风险 ................................................................................... 6

1.4.1 电子银行业务的特点 .................................................................................... 6

1.4.2 电子银行的风险 ............................................................................................ 6

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