【作者】 王飞；

【导师】 王桂荣；

【作者基本信息】 中国石油大学（华东） ， 工商管理， 2013， 硕士

【摘要】 电子银行是银行业务经营的重要组成部分，对树立商业银行企业形象，提高商业银行核心竞争力发挥着越来越重要的作用。电子银行业务是银行业的重要革命，是银行柜台业务的延伸和补充，是IT技术在商业银行业务发展的体现，是商业银行新的利润增长点，当今社会各家商业银行的必争之地。电子银行竞争策略是商业银行竞争战略的重要环节。在电子信息浪潮下，电子银行已经成为商业银行维护客户关系，开拓新的客户市场，提高市场占有率，实现产品和服务创新的新战场。电子银行产品和服务逐渐成熟，既能整合银行客户资源，降低银行的运营成本，又能扩大规模经济优势，提升银行盈利水平。本文以我国电子银行业务发展战略为主线，分析我国大力发展电子银行业务的现实意义和条件环境，研究我国电子银行业务的发展现状及存在问题，并通过对国外电子银行业务发展现状的比较分析，得出国外商业银行电子银行业务发展的成功经验，以此作为我国电子银行业务发展的启示。同时，本文通过研究东营银行电子银行业务发展，阐述了东营银行电子银行业务发展的历程、现状和管理框架。进而运用SWOT分析法、比较法、统计法等分析方法对其电子银行业务竞争力进行了较为全面的分析。通过整理资料和统计数据对其发展中所面临的竞争优势、竞争劣势、市场机会和外部威胁进行了系统的阐述，并结合所作分析提出了相应的应对策略。更多还原

【Abstract】 Electronic banking is an important part of banking business of commercialbanks,establishing the image of enterprise, is playing an increasingly importantrole to enhance the core competitiveness of commercial banks. Electronic bankingis an important revolution in the banking industry, is the extension andsupplement of the bank counter business, IT technology is embodied in thebusiness development of commercial banks, is a new profit growth point ofcommercial banks, commercial banks in today’s society a hotly contested spot.Electronic banking competition strategy is an important part of the commercialbank competitive strategy. In the electronic information era, electronic bankinghas become a commercial bank to maintain customer relationship, develop newcustomers, increase market share, achieve new battlefield of innovative productsand services. Electronic banking products and services to gradually mature, notonly can the integration of bank customer resources, reduce the bank’s operatingcosts, but also can expand the advantage of economies of scale, enhance the levelof profitability of banks.Based on the strategic development of China’s electronic banking businessas the main line, analysis of environmental significance and condition of China’sdevelopment of electronic banking business energetically, the study on thedevelopment of the electronic banking business in China and the existing problems,and through the comparison of the developing situation of electronic bankingbusiness abroad study, the successful experience of the development of e-bankingbusiness abroad and, as the development of electronic banking in china. At thesame time, through the research of the Bank of Dongying electronic bankingbusiness development, expounds the process of the development of electronicbanking business in Dongying, the present situation and management framework.Then using SWOT analysis method, comparative method, statistical method, acomprehensive analysis of the electronic banking competitiveness. Through thecollation of data and statistics in the face of the development of the competitive advantage, competitive advantage, market opportunities and external threatswere described, combined with the analysis of the corresponding copingstrategies.更多还原