我国网上银行发展对策研究

发布时间：2018-05-11 03:02

本文选题：网上银行 + 传统银行　；参考：《吉林大学》2012年硕士论文

【摘要】：网上银行的产生始于20世纪90年代，它是电子商务在金融领域最具突破性的应用，网上银行同时也是互联网和电子商务发展和变革的产物，现已成为最新颖的金融服务方式。在我国，网上银行已经逐渐成为商业银行提高竞争能力、吸引客户、提高服务质量、拓宽市场、寻求新的发展方向的最好选择。网上银行的迅速发展对于我国银行业起着巨大的推动作用，但同时其在发展过程中也暴露出了亟待解决的问题。本文在进行了大量的实证研究的基础上，对国内外网上银行现状的进行系统的分析，总结出了我国我国网上银行存在的诸多问题，并提出了相应的政策建议。本文共分为五部分。第一部分分析了论文的选题背景和研究意义，介绍了国内外学者对网上银行的研究情况，概括了本文的研究思路以及论文的创新与不足之处。第二部分介绍了网上银行的概念、优势和业务范围。网上银行的概念主要分为广义和狭义两种，本文所采用的是狭义概念；网上银行的优势，主要包括低成本、高利润、空间灵活、提供个性化服务等；网上银行的业务范围，涵盖了信息服务、个人客户业务和公司业务三大类。第三部分阐述了国内外网上银行发展现状及战略。首先，分析了欧美国家、日本、韩国等网上银行现今的发展情况；其次，探讨了我国网上银行的发展历程、呈现的特点、提供的服务产品、客户对网上银行的选择情况及覆盖范围等；再次，概括了西方国家网上银行发展过程中采用的战略，如：传统业务在互联网上的扩张、网上银行服务范围的扩张、并购等；最后，在上述分析的基础上总结出了值得我国网上银行借鉴的经验，主要包括：传统银行与网上银行相结合的模式继续作为发展的主流，网上银行应把并购和合作作为其发展的重要途径，中小银行应更加重视特色化服务，网上银行服务产品应追求多元化。第四部分提出了我国网上银行发展过程中主要存在的问题。主要包括网上银行相关法律的缺失，网上银行面临的技术风险和信用风险问题以及由于互联网技术的复杂性、网上银行经营的跨地域性所引起的特殊监管问题。第五部分针对这些问题提出了政策建议。一是对于相关法律法规的完善尤其是要加强对客户权益的保护；二是通过大力发展计算机技术、明确我国电子货币在线支付的风险责任、完善银行信用体系这三个方面提高网上银行的安全性；三是要通过完善网上银行市场准入、退出，加强国际间监管合作，，提高监管人素质等方面加大监管当局的监管力度，提升监管能力；四是提供以客户为中心的网上银行服务，针对不同的客户价值实行不同的定价策略，增强网上银行的创新能力。
[Abstract]:The emergence of online banking began in the 1990s. It is the most breakthrough application of electronic commerce in the financial field. It is also the product of the development and reform of the Internet and electronic commerce. It has become the most novel financial service mode. In China, online banking has gradually become the best choice for commercial banks to improve their competitiveness, attract customers, improve service quality, broaden the market and seek new directions for development. The rapid development of online banking plays a great role in promoting the banking industry in China, but at the same time, it also exposes some problems to be solved. Based on a large number of empirical studies, this paper makes a systematic analysis of the present situation of online banking at home and abroad, summarizes many problems existing in our country's online banking, and puts forward corresponding policy recommendations. This paper is divided into five parts. The first part analyzes the background and significance of the thesis, introduces the domestic and foreign scholars' research on online banking, summarizes the research ideas of this paper and the innovation and shortcomings of the paper. The second part introduces the concept, advantages and business scope of online banking. The concept of online banking is mainly divided into two categories: broad sense and narrow sense. The advantages of online banking include low cost, high profit, flexible space, personalized service and so on. Covers three major categories of information services, personal customer business and corporate business. The third part elaborated the domestic and foreign online bank development present situation and the strategy. First of all, it analyzes the current development of online banks in Europe and America, Japan and South Korea. Secondly, it discusses the development process, characteristics and service products of China's online banks. Thirdly, it summarizes the strategies used in the development of online banking in western countries, such as the expansion of traditional business on the Internet, the expansion of the scope of online banking services, mergers and acquisitions, etc. Finally, on the basis of the above analysis, the author summarizes the experience of our country's Internet banking, including: the combination of traditional banking and online banking continues to be the mainstream of development. Online banking should take M & A and cooperation as an important way of its development, small and medium-sized banks should pay more attention to special services, and online banking services products should be diversified. The fourth part puts forward the main problems in the development of online banking in China. It mainly includes the lack of laws related to Internet banking, the technical risks and credit risks faced by Internet banks, and the special regulatory problems caused by the complexity of Internet technology and the cross-regional nature of Internet banking operations. The fifth part puts forward some policy suggestions for these problems. First, to improve the relevant laws and regulations, especially to strengthen the protection of the rights and interests of customers; second, to clarify the risk responsibility of online payment of electronic money in China by vigorously developing computer technology. To improve the security of online banking in the three aspects of perfecting the banking credit system; third, to strengthen the supervision and control of the regulatory authorities by improving the market access, withdrawing from, strengthening international regulatory cooperation, and improving the quality of supervisors, etc. The fourth is to provide customer-centered online banking services, to implement different pricing strategies for different customer value, and to enhance the innovative ability of online banking.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】