电子商务环境下金融创新的应用分析

^文档编号:DZ062  ^文档字数:9905,页数:14

摘   要

     随着我国加入WTO,国内金融市场与国际金融市场的接轨，中国银行业发展进入了一个全新的阶段。面对新的形势和挑战，国内商业银行积极开展金融创新，提高市场竞争力，以适应经济金融环境的变化。尤其是网上银行的发展，使得金融服务更信息化。
本文首先简要概述了我国电子商务中金融服务的现状，然后介绍了电子商务在金融创新中的应用。文章以招商银行“一网通”为例，其中以汽车行业买方付息和电子商务大宗交易网上国内信用证解决方案为典型成功案例分析，表明了招商银行在网上银行的成功经验，最后提出积极推进我国商业银行网上银行的创新。

【关键词】 电子商务 “一网通” 金融创新

Abstract

Along with our country Joins WTO, the domestic finance market integrates with international finance market, Chinese banking industry development entered a brand-new stage。Facing the new situation and challenge, internal commerce bank carries out financial innovation positively, enhances the market competition strength, adapts to the economical financial environment change. Especially the on-line bank’s growing, makes the financial service informationization.
This thesis has first briefly outlined the present situation of financial service in our country’s electronic commerce, and then introduced the application of electronic commerce in the financial innovation. The thesis takes Merchants Bank’s ' multifunctional network ' for example, take the automobile profession buyer pays interests and the solution of on-line domestic letter of credit in electronic commerce wholesale trading as the model successful case for analysis, has indicated the success experience of Merchants Bank at the on-line bank, finally it proposes the innovation of advancing our country’s commercial bank on-line bank positively.

【Key words】E-commerce “Multifunctional network” The Finance Innovation

目  录

1   引言 ..................................................2
2   我国电子商务中金融服务的现状 ..........................2
2.1 信息化打造高效内部管理 ................................2
2.2 信息化支持全能客户服务 ................................3
2.3 信息化提升金融业竞争力 ................................4
3   电子商务在金融创新中的应用 ............................5
3.1 国有银行电子银行业务 ..................................5
3.2 招商银行电子银行业务 ..................................6
3.3 招商银行“一网通” ....................................6
4   招商银行网上银行的成功案例和经验启示.................. 8
4.1 网上信用证国内贸易链金融解决方案 ......................8
4.2 从招商银行的成功经验得出的启示.........................9
5   积极推进我国商业银行网上银行的创新.................... 9
5.1 银行业务呈现虚拟化管理模式 ............................10
5.2 个性化金融服务成为银行业务创新主流.................... 10
5.3 高效性与低成本成为银行业务主要特征 ....................10
5.4 信息管理成为银行业务的基础 ............................10
5.5 完善的创新体系是银行业务创新的基础 ....................11
6   结论 ..................................................12
参考文献.................................................. 13
致   谢 ...................................................14

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