我国网络银行业务的发展难题与改进策略——以安徽省H银行为例  

The Development Problems and Improvement Strategies of Internet Banking in China——Taking Anhui Bank as an Example

作　　者：任俊逸 

机构地区：[1]安徽财经大学会计学院,安徽蚌埠233030

出　　处：《新乡学院学报》2017年第4期17-23,共7页Journal of Xinxiang University

基　　金：安徽省高校人文社科重点项目(SK2016A0979)

摘　　要：互联网背景下,商业银行面临的竞争愈演愈烈:第三方支付机构(新支付)对支付业务带来挑战,网络融贷(新融贷)对传统的信贷业务形成冲击,网络理财不断分流银行存款。本文以安徽省六安市H银行为例,结合长尾理论和信息不对称理论,针对当前网络银行业务存在的信息不对称、产品相对单一、网络交易安全、移动支付带来的冲击等问题,从持续跟进营销、打造数据驱动型网络银行、发展普惠金融、注重创新发展、加强区块链技术应用等方面,提出改进策略。In the context of the Internet, the competition intensifies in the commercial banks： the payment business facing the challenge of the third party payment organization （new payment） ; the network financing （new financing） impacting on the traditional credit business; the network banking constantly diverting the bank deposits. Taking the H Bank of Lu＇an City in An- hui Province as an example, combining with the theory of long tail and information asymmetry, this paper aims at the problems of information asymmetry, relatively single product, security of network transaction and impact of mobile payment, which pro- poses many improvement strategies including the continued following up marketing, building data-driven Internet banking, developing the inclusive finance, focusing on innovation and development, strengthening the application of fast chain technology and so on.

关 键 词：互联网 网络银行业务 信息不对称 长尾理论 

分 类 号：F832.2[经济管理—金融学]