河北省农村信用社电子银行业务发展分析

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1、目录4.3市场机会分析·········································································································244.4外部威胁分析·········································································································27第5章河北省农村信用社电子银行业务发展的策略分析····························

2、·················305.1优势机会策略·········································································································305.2劣势机会策略·········································································································335.3劣势威胁策略··························

3、···············································································345.4优势威胁策略·········································································································35参考文献·····················································································

4、···········································38致谢····································································································································40IV第1章导论第1章导论1.1研究背景和研究意义银行发展电子银行业务对于自身改变业务经营和运作的方式、拓展客户和市场、经营管理体系重构、创新支付结算渠道乃至于针对现有市场的营销手段都将产生巨大和深远的影响。当今

5、由于电子信息化快速普及，电子银行业务已经逐步发展成现代银行业竞争的一种必要手段，成为改变金融行业竞争格局的新型服务方式，已经不在是银行各种业务中的一种“点缀”。在国内，招商银行在1996年首先开展了电子银行业务，自开展以来吸引了大批的优质高端客户，其他商业银行也逐渐意识到电子银行业务未来巨大的发展空间和丰厚的经济效益，因此近十几年国内电子银行业务得到了迅猛发展，业务功能日趋丰富。我国电子银行平均业务替代率已达28%，其中工、农、中、建四大商业银行电子银行对传统业务替代率分别为：52.1%、34.6%、39.7%和46.8%，新兴银行中：招商银行电子银行业务对传统业务

6、的替代率超过60%，北京银行超过50%，兴业银行为48.49%。电子银行业务已经成为了现代银行新的利润支撑点。随着农村市场经济的不断深入发展，农村金融需求的不断增长，农村信用社已扎根于农村地区成为农村金融资源的主要载体。但其电子银行业务的发展却是明显滞后于其他金融机构。对于河北省农村信用社来说，其电子银行业务发展较晚，经验不足，业务种类还不健全。传统业务的结算方式已不能满足现有客户实时、便利的现代化金融结算需求，该情况导致农村信用社客户忠诚度下降，优质客户逐渐流失。面对日益加剧的市场竞争，结合自身的特点，大力加快电子银行业务发展提高农村金融电子化程度已是农村信用社站

7、稳现有市场，吸引优质客户，势在必行的发展方向。本文以河北省农村信用社电子银行业务现状为基础，使用SWOT为主要分析方法，结合河北省农村信用社电子银行业务的需求特点，借鉴国内大型商业银行电子银行业务的经验，对河北省农村信用社电子银行业务的产品和服务的创新和营销提出对策和建议。1.2国内外研究现状1.2.1国内研究现状20世纪80年代，国内银行开始了电子化建设的步伐，利用计算机技术实现了账务1河北大学公共管理硕士学位论文的电子化处理，数据的集中管理，通过标准化和流程化的服务为客户提供了便捷的服务。21世纪，随着信息技术的普遍应用，银行业开始了以提供Anytime、A