發(fā)布時間：2018-05-28 08:37

  本文選題：湖南工行 + 電子銀行業(yè)務�。� 參考：《湖南大學》2012年碩士論文

【摘要】：隨著信息技術的高速發(fā)展和互聯(lián)網(wǎng)的快速普及，電子銀行作為銀行一種全新的服務方式，開始越來越多地被人們所接受，它在一定程度上影響著銀行業(yè)得發(fā)展方向，并進一步影響著銀行業(yè)的競爭格局和管理模式。電子銀行憑借其“任何地點”、“任何時間、“任何方式”的3A服務等特點，并為客戶提供高效、安全、便捷的金融服務，，深受廣大客戶的歡迎。電子銀行業(yè)務在分流柜面壓力、降低經(jīng)營成本、提高客戶忠誠度等方面發(fā)揮越來越重要的作用。實踐證明：電子銀行業(yè)務發(fā)展較好的支行，經(jīng)營效益一般也較好。 湖南工行高度重視電子銀行業(yè)務的發(fā)展，通過十年的跑馬圈地，湖南工行電子銀行客戶數(shù)快速提升，目前客戶規(guī)模在省內穩(wěn)居第一。但電子銀行作為一種新型的銀行服務方式，由于其起步較晚、經(jīng)驗缺乏，湖南工行電子銀行業(yè)務仍然存在粗獷發(fā)展的狀況，比如客戶數(shù)較多，但有效戶占比不高；比如規(guī)模發(fā)展較快，但售后服務跟不上；比如電子功能日趨豐富，但員工素質并未跟上，等等。這些新問題如果得不到有效的解決，湖南工行電子銀行業(yè)務將不能得到有效持續(xù)發(fā)展。本文對論題的研究采取理論與實踐相結合的方式，采取提出問題、分析問題、解決問題的技術路線，從剖析湖南省電子銀行業(yè)務發(fā)展狀況出發(fā)，重點研究并系統(tǒng)分析湖南工行電子銀行發(fā)展過程中比較突出的問題。同時運用PORTER、ADL、Ansoff等理論以及PEST、競爭力分析、SWOT分析方法，對湖南工行電子銀行業(yè)務的發(fā)展環(huán)境、定位分析。在此基礎上，提出具體的發(fā)展策略和實施內容。本文旨在通過相應策略的實施，試圖對推動湖南工行電子銀行業(yè)務又好、又快發(fā)展提出具有可行性的一些意見和建議，確保湖南工行電子銀行業(yè)務“三湘第一電子銀行”地位。
[Abstract]:With the rapid development of information technology and the rapid popularity of the Internet, electronic banking as a new way of banking services, began to be more and more accepted by people, to some extent, it affects the direction of banking development. And further influence the competition pattern and management mode of the banking industry. Electronic banking with its "anywhere", "anytime," any way "3A services, and to provide customers with efficient, safe and convenient financial services, deeply welcomed by the majority of customers. Electronic banking plays a more and more important role in distributing counter pressure, reducing operating cost and improving customer loyalty. Practice proves: the branch that electronic bank business develops better, management benefit is also good generally. Hunan Industrial and Commercial Bank attaches great importance to the development of electronic banking business. However, as a new type of banking service, due to its late start and lack of experience, Hunan ICBC still has a rough development of its electronic banking business, such as a large number of customers, but the proportion of effective accounts is not high; For example, the scale develops rapidly, but the after-sales service can not keep up; for example, the electronic function is becoming more and more abundant, but the quality of the staff has not kept up, and so on. If these new problems are not effectively solved, ICBC's electronic banking business will not be able to develop effectively and continuously. In this paper, the author combines theory with practice, takes the technical route of putting forward problems, analyzing problems and solving problems, starting from analyzing the development of electronic banking business in Hunan Province. Focus on the study and systematic analysis of Hunan ICBC Electronic Bank in the development process of the more prominent problems. At the same time, by using the theory of PORTER-ADL Ansoff and pest, the SWOT analysis method of competitiveness analysis, this paper analyzes the development environment of Hunan ICBC electronic bank business, and analyzes the location of the business environment of Hunan Industrial and Commercial Bank of China (ICBC). On this basis, put forward the specific development strategy and implementation content. The purpose of this paper is to put forward some feasible opinions and suggestions to promote the electronic banking business of Hunan Industrial and Commercial Bank of China through the implementation of corresponding strategies, and to ensure the status of "Sanxiang first Electronic Bank" in the electronic banking business of Hunan Industrial and Commercial Bank of China.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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