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1、大連理工大學(xué)碩士學(xué)位論文華夏銀行大連分行電子銀行業(yè)務(wù)發(fā)展戰(zhàn)略研究姓名：姜慧申請學(xué)位級別：碩士專業(yè)：工商管理導(dǎo)教師：閔慶飛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
