【摘要】：遠程開戶是互聯(lián)網(wǎng)銀行突破"面簽"政策紅線,實現(xiàn)方便快捷服務的有效途徑。本文在監(jiān)管層對互聯(lián)網(wǎng)銀行不斷放寬限制的背景下,對實現(xiàn)遠程開戶將如何影響銀行轉型進行研究。以直銷銀行為例,重點對商業(yè)銀行的互聯(lián)網(wǎng)轉型、強弱電子賬戶的界定、分類銀行賬戶管理的實施等方面進行分析,探討了遠程開戶對直銷銀行的影響。最后結合直銷銀行推動遠程開戶的發(fā)展狀況,對我國直銷銀行未來如何應對遠程開戶提出了對策建議。
[Abstract]:Remote account opening is an effective way for internet banks to break through the "face sign" policy red line and realize convenient and fast service. In this paper, under the background of the deregulation of Internet banks, this paper studies how the remote opening of accounts will affect the transformation of banks. Taking direct selling bank as an example, this paper analyzes the Internet transformation of commercial banks, the definition of strong and weak electronic accounts, the implementation of classified bank account management, and discusses the impact of remote opening of accounts on direct selling banks. Finally, combined with the development of direct selling bank to promote remote account opening, the paper puts forward some countermeasures and suggestions on how to deal with remote account opening in China's direct selling banks in the future.
【作者單位】： 北京銀行博士后科研工作站;
【分類號】：F832.2
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本文編號：2306431