【作者】 孙坚；

【导师】 吕海军；

【作者基本信息】 北京交通大学 ， 工商管理， 2008， 硕士

【摘要】 进入21世纪以来,以信息技术为核心的高新技术革命发展迅猛,大大促进了世界经济的发展和全球经济一体化的进程。随着我国加入WTO、各大商业银行进行股份制改革并在内地或海外上市,各个商业银行吸引国外先进银行作为战略合作伙伴,国内商业银行在有着难得的机遇的同时,也将面临巨大的挑战。面对金融业市场发展与国内外同业竞争的压力,商业银行想要迅猛地发展,做大做强,必须在银行渠道开发过程中不断创新。渠道创新简单来讲就是在传统渠道即银行网点、物理柜台基础上,不断开发、创新以网络、计算技术等先进科技为平台的银行营销渠道以及业务办理渠道—电子渠道,同时以计算机系统创新为基础研发强大的银行业务处理系统。在创新过程中国内银行一方面需要借鉴国外先进商业银行的成功创新案例,另一方面也要正视在国内金融、电子信息环境下,银行渠道创新可能会面临的问题、面临的风险、遇到的困难,在充分考虑渠道创新困难、问题以及风险的情况下,明确问题解决办法以及风险防范措施,提出银行渠道创新的建议。最终推进电子渠道创新的快速健康发展,在中国加入WTO后金融业的新一轮激战中全面提升国有商业银行的综合竞争实力。更多还原

【Abstract】 When it comes to the 21 century, the trend of the new technological revolution, with info-technology as its core, is irrevocable. And the trend made a great improvement of the integration and development of world economy. After the entry to the WTO , many local commercial banks were listed in oversea market and succeeded in the equity reshuffle. They brought in foreign counterpart as strategic partner, under which the local banks met both opportunity and challenge. With the pressure of local and foreign competition, the ever innovation is needed to mushroom to be stronger. Channel innovation means that the bank should apply new tech in the outlets or branches in terms of marketing and product exploration, gradually transferring the deals from the traditional channel to the e-channel. Local banks should study the success of foreign counterpart, and at the same time confront the underlying risks. They should materialize the responsibility and the resolution, making more advices. Ultimately, the local banks will make a great improvement and a sound development in e-channel innovation, improving the comprehensive strength in the upcoming round of fierce competition.更多还原