我国网络金融发展的战略模式研究  

A Research on Strategic Modes for China Network Finance Development

作　　者：侯训义[1] 何伟静[2] 王军生[1] 姜涛[1] 张康[3] 

机构地区：[1]中信银行济南分行,山东济南250011 [2]济南大学国际交流学院,山东济南250022 [3]山东大学经济研究院

出　　处：《山东财政学院学报》2014年第6期37-44,共8页Journal of Shandong Finance Institute

基　　金：山东省社会科学规划金融专项课题"网络银行发展新模式研究"(13CJRJ15)

摘　　要：现在和未来银行的竞争战略是"网络战略",网络金融把银行从过去"有限区域中的有限客户"的竞争,延伸到今天和未来在"无限区域对无限客户"的竞争。网络金融的应用模式与覆盖速度没有上限区域和上限规模。商业银行网络金融的定位是创造客户在终端操作的最大便利,是在央行网络金融环境的协同、监管下,各家商业银行拥有一个安全的后台支撑、开放的共享网络平台和极为便利于客户的操作终端。The competition strategy of banks nowadays and in the future is ＂network strategy＂. The network fi- nance has extended the competition among banks from competition for ＂limited clients in limited areas＂ to that for ＂unlimited clients in unlimited areas＂. The application models and coverage rate of network finance have no upper limits in area and size. Commercial banks should position their network finance as providing for clients the most con- venient terminals which are cooperated and supervised by the Central Bank network finance, and have a secure backstage support and an open network platform shared by all the commercial banks.

关 键 词：商业银行 网络金融 电子商务 电子银行 

分 类 号：F830.49[经济管理—金融学]