本文關(guān)鍵詞： 商業(yè)銀行 網(wǎng)絡(luò)銀行 第三方支付 創(chuàng)新策略　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：信息技術(shù)的巨大飛躍給金融業(yè)帶來了重大影響,網(wǎng)絡(luò)銀行是信息技術(shù)和金融業(yè)發(fā)展結(jié)合的高級產(chǎn)物。網(wǎng)絡(luò)銀行已不僅作為銀行對外服務(wù)的平臺,同時(shí)不少商業(yè)銀行在網(wǎng)絡(luò)銀行的洪流推動下進(jìn)行流程再造,將運(yùn)營管理與網(wǎng)絡(luò)銀行本身融合到一起,從而產(chǎn)生更高的效率及更大的效益。 我國網(wǎng)絡(luò)銀行的發(fā)展是從商業(yè)銀行的業(yè)務(wù)遷移開始的,發(fā)展至今,網(wǎng)絡(luò)銀行業(yè)務(wù)已從過去的藍(lán)海變?yōu)楦偁幖ち业募t海,市場競爭也愈演愈烈,在為客戶降低使用成本的同時(shí),商業(yè)銀行網(wǎng)絡(luò)銀行業(yè)務(wù)的運(yùn)營成本越來越高。與此同時(shí)第三方支付行業(yè)的興起也更加劇了網(wǎng)絡(luò)銀行市場的競爭。 本文將對我國國內(nèi)商業(yè)銀行網(wǎng)絡(luò)銀行業(yè)務(wù)的現(xiàn)狀和困境進(jìn)行多角度的分析,并結(jié)合金融創(chuàng)新理論以及當(dāng)前新興的長尾經(jīng)濟(jì)理論研究網(wǎng)絡(luò)銀行的創(chuàng)新策略。由金融創(chuàng)新理論觀點(diǎn)為依據(jù),討論網(wǎng)絡(luò)銀行發(fā)展的原因、目的和目標(biāo)。將創(chuàng)新擴(kuò)散理論(IDT)和技術(shù)接受模型(TAM)結(jié)合,研究網(wǎng)絡(luò)銀行創(chuàng)新的方式和途徑以及創(chuàng)新擴(kuò)散的影響因素,從客戶角度出發(fā)討論如何使網(wǎng)絡(luò)銀行更易于用戶所接受。探討新網(wǎng)絡(luò)經(jīng)濟(jì)時(shí)代背景下長尾理論、免費(fèi)商業(yè)等代表性理論為網(wǎng)絡(luò)銀行發(fā)展帶來的思路和影響。最后,結(jié)合國內(nèi)實(shí)際市場環(huán)境分析討論,分別從競爭優(yōu)勢的保持、多渠道合作、技術(shù)創(chuàng)新、風(fēng)險(xiǎn)管理和政策創(chuàng)新幾個(gè)方面提出了國內(nèi)商業(yè)銀行網(wǎng)絡(luò)銀行業(yè)務(wù)在面臨巨大困難情況下的創(chuàng)新策略建議。
[Abstract]:The great leap of information technology has brought great influence to the financial industry. The network bank is the advanced product of the combination of information technology and financial industry development. At the same time, many commercial banks carry out process reengineering under the push of the flood of network bank, and combine operation management with network bank itself, thus producing higher efficiency and greater benefit. The development of the network bank in our country started from the business migration of the commercial bank. Up to now, the business of the network bank has changed from the blue sea in the past to the fierce competition in the red sea, and the market competition is also becoming more and more intense. At the same time, the use cost of the network bank has been reduced for the customers. At the same time, the rise of the third-party payment industry has intensified the competition in the network banking market. This article will carry on the multi-angle analysis to the domestic commercial bank network bank service present situation and the predicament, Based on the theory of financial innovation and the current long tail economic theory, the paper discusses the reasons for the development of network bank, based on the theory of financial innovation. Objective and objective. By combining innovation diffusion theory (IDT) with technology acceptance model (TAM), this paper studies the ways and means of innovation in network banks and the influencing factors of innovation diffusion. From the customer's point of view, this paper discusses how to make the network bank more acceptable to users. It also discusses the thought and influence that the long tail theory, free commerce and other representative theories bring to the development of the network bank under the background of the new network economy era. According to the analysis and discussion of domestic market environment, from the maintenance of competitive advantage, multi-channel cooperation, technological innovation, Several aspects of risk management and policy innovation are put forward in the domestic commercial banks network banking business in the face of great difficulties in innovation strategies.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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