工商银行河南开封分行营业部电子~..doc

工商银行河南开封分行营业部电子银行业务发展策略研究 摘 要 随着信息网络化和经济全球化进程的速度不断加快，为了适应现代银行业的发展面临着电子银行的变化是史无前例的。应时代的要求，如：自助银行，电话银行，手机银行，网络银行，电子式的发展速度，交易量迅速提高，成为强有力的措施，现代商业银行的竞争力正在慢慢形成电子银行。把计数器进行改良，增加集中简约的经营管理水平，增强客户关系，削减客户通过电子银行，在日益激烈的市场困难中，加深创新能力，从全面完整的测量和评价体系，增强控制，提升电子改革分行，把电子银行的形式快速道路拓宽不使用在线银行，处理问题，增强对电子形式的特点，加强在电子形式的客户满意度的成本提升电子银行业务的创新手段。 关键词：工商银行；电子银行；业务发展 Strategy of Business Development andCommercial Bank Branch Office of Kaifeng electronic banking ABSTRACT With the development of information network and the process of economic globalization is accelerating, in order to adapt to the development of modern banking industry is facing the change of electronic banking is the There was no parallel in history. Should be, the requirements of the times, such as: self-service banking, telephone banking, mobile phone banking, Internet banking, the development speed of the electronic, trading volume increased rapidly, become strong measures, modern commercial banks competitiveness is slowly forming electronic banking. The counter was improved, increased focus on contracted management level, enhance customer relationship, cut customers through electronic banking, in the increasingly fierce market difficulties, enhance innovation capability, enhance the control from the measurement and evaluation system, a comprehensive reform, improve the electronic branch, rapid road widening form of electronic banking online bank to deal with the problems, characteristics of electronic form, enhance, strengthen in the electronic form of customer satisfaction and the cost of upgrading the electronic banking business innovation means. Key words: Business Development; Industrial and Commercial Bank of China; electronic banking 目录 一、绪论 研究背景 研究目的和意义 研究方法 研究的结构安排 二、理论综述和文献综述 （一）相关理论介绍 （二）国内外文献综述 三、工商银行河南开封分行营业部电子银行业务发展现状 （一）工商银行河南开封分行营业部基本概况 （二）开封分行营业部电子银行业务发展现状 四、导致开封分行营业部电子银行业务发展存在突出问题的原因分析 （一）注重新兴业务忽视传统业务发展，导致业务发展不均衡 （二）电子银行客户偏重数量忽视质量，导致客户结构不合理 （三）非柜面渠道优势未充分发挥，导致业务分流作用不明显