本文選題：善融商務(wù) + 運(yùn)營(yíng)問(wèn)題�。� 參考：《鄭州大學(xué)》2014年碩士論文

【摘要】：借助于互聯(lián)網(wǎng)和信息技術(shù)水平的提升,我國(guó)電子商務(wù)交易總額和市場(chǎng)規(guī)模不斷擴(kuò)大,成為國(guó)內(nèi)經(jīng)濟(jì)發(fā)展和企業(yè)轉(zhuǎn)型的重要推動(dòng)力。隨著電子商務(wù)發(fā)展環(huán)境、技術(shù)的逐漸成熟,大型電商企業(yè)將電子商務(wù)服務(wù)和金融業(yè)相結(jié)合,一方面促進(jìn)了互聯(lián)網(wǎng)金融的快速發(fā)展；另一方面,加速了“銀行脫媒”,給銀行業(yè)的發(fā)展帶來(lái)了巨大的挑戰(zhàn)。商業(yè)銀行也不再滿(mǎn)足于電子商務(wù)鏈條末端的支付結(jié)算業(yè)務(wù),而是根據(jù)當(dāng)前的市場(chǎng)環(huán)境進(jìn)行產(chǎn)品服務(wù)、業(yè)務(wù)模式等方面的創(chuàng)新,打造綜合性的電子商務(wù)金融服務(wù)平臺(tái)。建設(shè)銀行順應(yīng)金融業(yè)發(fā)展趨勢(shì),率先建立專(zhuān)有的電商平臺(tái)“善融商務(wù)”,隨后交通銀行和工商銀行分別建立了同質(zhì)化的電商平臺(tái),而其他商業(yè)銀行則不斷完善自身的網(wǎng)上商城業(yè)務(wù),在銀行業(yè)內(nèi)與建設(shè)銀行分庭抗禮。 “善融商務(wù)”主要包括企業(yè)商城、個(gè)人商城和房e通三個(gè)板塊,涵蓋電子商務(wù)、金融服務(wù)業(yè)務(wù)。該平臺(tái)為建設(shè)銀行開(kāi)拓了市場(chǎng),創(chuàng)造了新的發(fā)展動(dòng)力和利潤(rùn),降低了銀行和商戶(hù)的運(yùn)營(yíng)成本,同時(shí)為建設(shè)銀行提供了客戶(hù)交易核心數(shù)據(jù)和金融創(chuàng)新平臺(tái)�！吧迫谏虅�(wù)”的運(yùn)營(yíng)面臨著宏觀環(huán)境、行業(yè)環(huán)境和內(nèi)部環(huán)境,因此建設(shè)銀行要把握住有利的宏觀政策和技術(shù),認(rèn)清行業(yè)中的多方參與者,能針對(duì)自身特點(diǎn)揚(yáng)長(zhǎng)避短。目前“善融商務(wù)”處于發(fā)展的初期階段,雖然能有效控制組織機(jī)構(gòu)、盈利能力、商戶(hù)質(zhì)量和平臺(tái)風(fēng)險(xiǎn),但與大型電商企業(yè)蘇寧易購(gòu)相比,其在市場(chǎng)定位、組織機(jī)構(gòu)、產(chǎn)品服務(wù)、盈利模式、風(fēng)險(xiǎn)控制方面仍存在缺陷,主要問(wèn)題表現(xiàn)在五個(gè)方面：用戶(hù)體驗(yàn)有待提升、金融創(chuàng)新力度不夠、平臺(tái)營(yíng)銷(xiāo)方式單一、機(jī)制體制需要調(diào)整和缺乏有效法律監(jiān)管。針對(duì)上述問(wèn)題,建設(shè)銀行需要強(qiáng)化平臺(tái)內(nèi)容建設(shè)、加大金融創(chuàng)新力度、采取多樣化的營(yíng)銷(xiāo)方式、轉(zhuǎn)變業(yè)務(wù)發(fā)展模式、完善互聯(lián)網(wǎng)金融法律監(jiān)管,促使“善融商務(wù)”進(jìn)行全面改善,從而給客戶(hù)提供高質(zhì)量的電子商務(wù)金融服務(wù)。
[Abstract]:With the help of the improvement of Internet and information technology, the total amount of e-commerce transactions and the market scale in China are constantly expanding, which has become an important driving force for the development of domestic economy and the transformation of enterprises. With the development environment of electronic commerce and the gradual maturity of technology, large e-commerce enterprises combine e-commerce services with the financial industry. On the one hand, it promotes the rapid development of Internet finance; on the other hand, it accelerates the "bank disintermediation". The development of the banking industry has brought great challenges. Commercial banks are no longer satisfied with the payment and settlement business at the end of the chain of electronic commerce, but create a comprehensive electronic commerce financial service platform according to the current market environment, such as product service, business model innovation and so on. In line with the development trend of the financial industry, China Construction Bank took the lead in setting up a proprietary e-commerce platform, "good Finance Commerce". Subsequently, the Bank of Communications and the Industrial and Commercial Bank of China established a homogeneous e-commerce platform. While other commercial banks continue to improve their online Mall business, in the banking sector and Construction Bank rival. "good financial commerce" mainly includes enterprise mall, personal mall and room e-pass, covering e-commerce, financial services business. The platform has opened up the market for CCB, created new development power and profit, reduced the operating cost of banks and merchants, and provided CCB with customer transaction core data and financial innovation platform. The operation of "good financial commerce" is faced with macro environment, industry environment and internal environment. Therefore, the construction bank should grasp the favorable macro policy and technology, recognize the multiple participants in the industry, and be able to take advantage of its own characteristics and avoid its weaknesses. Although it can effectively control the organization, profitability, business quality and platform risk, compared with the large e-commerce enterprise SUNING, it is in the market positioning, organization, product and service. There are still some defects in profit mode and risk control. The main problems are: the user experience needs to be improved, the financial innovation is not enough, the marketing mode of platform is single, the mechanism and system need to be adjusted and lack of effective legal supervision. In view of the above problems, China Construction Bank needs to strengthen the construction of platform content, increase the intensity of financial innovation, adopt diversified marketing methods, change the mode of business development, and improve the legal supervision of Internet finance. Promote comprehensive improvement to provide high-quality e-commerce financial services to customers.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前4條

1 丁紅;;商業(yè)銀行在電子商務(wù)領(lǐng)域的服務(wù)和創(chuàng)新[J];銀行家;2012年10期

2 王勇;;關(guān)于建設(shè)銀行電商業(yè)務(wù)發(fā)展的幾點(diǎn)思考[J];財(cái)經(jīng)界(學(xué)術(shù)版);2013年15期

3 顏楓;;商業(yè)銀行開(kāi)展電商業(yè)務(wù)的SWOT分析[J];企業(yè)研究;2013年06期

4 黃芳芳;;“善融商務(wù)”掀起銀行電商STYLE[J];卓越理財(cái);2013年01期

，

本文編號(hào)：1836897