华夏银行大连分行电子银行业务发展战略研究

《华夏银行大连分行电子银行业务发展战略研究》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。

1、大连理工大学硕士学位论文华夏银行大连分行电子银行业务发展战略研究姓名：姜慧申请学位级别：硕士专业：工商管理导教师：闵庆飞20081101HuaxiaBankDalianBranchE-BankingDevelopmentalStrategyResearchAbstractBeingasthemainstrategyandpolicyofbankcompetition,E-bankinghaddeeplyinfluencedthefuturedevelopmentofbanking.Furthermore,itwillalsoch

2、angetheproductstructure,servicemodeandwayofmanagementofBanking.E-bankingRealized3Aservicesystembyinternet.Itbringsconvenientandspeedyservicestocustomersandtheycanenjoyitanytime,inanywhereandanyway.In21stcentury,thebankingofChinahasopenedthedoortoexternalfinancialcapi

3、tal.Marketcompetitionandpressureofliveletthebankingmanagersunderstandtheconsciousnesssenseandawarenessofcrisisimmediately.Especiallyin2008,astormofglobaleconomiccrisishassweptallovertheworld.Chinesebanksusedtoearnbenefitofratedifferencesbyfanaticalexpansionandabsorbi

4、ngdeposit.Thismodecannotcontinueunderthenewconditions.Thenewprofitgrowthpointswillturntotheelectricservicechannelsthatbaseonintermediatebusiness.E-bankingwillbethemainservicechanneloffuturesinceitislowcosts’highprofits,widemarketinginfluence,convenientandspeedy.Huaxi

5、abankisasmallshareholdingcommercialbank.Allindexesarecenteraroundprofit.Consideringtheintensecompetitioninmarket,thehighprofitsandlowcostsE-bankingisourinevitablechoice.Buttherearemanyproblemssuchasinefficiencymanagement,smallmarketshareandslowdevelopmentinHuaxiaE-ba

6、nkingcausedbylackofinvest.Tonarrowthegapassoonaspossible,HuaxiaBankDalianBranchhasdevelopedmultiplenewEBproductsandenhanceditsinternalmanagementsince2007，resultinginanpreliminaryimprovementofitsEBperformance.However,thebusinessdevelopmentisstillquitefarbehindotherdom

7、esticbanks.ToimprovethissituationandfindtherightpositionforHuaxiaBank,weneedtoprovidescientifictheoriesandoperablesuggestionsforthemanagement,productsandservices.ThethesiselaboratesonthebasicsofEBbasedonthemarketingtheoriesacquiredinDUTMBAclassesandanalyzestheproblem

8、sinthebusiness&managementofHuaxiaBankDalianBranchandthedevelopmentstatusofourbankandotherdomesticbanksbeforeposingafuturestrategyfo