苏州农行论文：苏州农行县域电子银行战略研究

1、【中文摘要】随着我国金融体制改革步伐的加快及电子信息技术的快速发展，电子银行业务已经成为商业银行赖以生存发展不可或缺的竞争手段。近几年来，工、农、中、建等大型商业银行纷纷加快电子化建设步伐，电子银行业务的同业竞争已逐渐从城市地区向县域蔓延,竞争日趋激烈。作为一个二级分行，苏州农行兼具业务管理和业务经营的二重特性，目前该行正处于经营转型期，发展电子银行业务是当前转型的重点工作之一。与同业相比，苏州农行电子银行业务的发展重心在县域，五大县域支行在当地均具有一定的综合竞争优势，但也面临着较大的竞争压力，解决好县域电子银行业务的发展问题，将对苏州农行的改革发展有着举足轻重的意义。本文采用理论知识与实际

2、发展情况相结合的分析方法，在阐述电子银行业务的概念、特点、优势、发展状况等基本理论的基础上，结合苏州农行自身业务情况，深入分析县域支行的特点及电子银行业务发展中存在的问题，提出必须大力发展县域电子银行业务的观点，并运用战略管理的五维系统模型理论,对苏州农行县域支行发展电子银行业务面临的宏观环境、行业环境等外部环境以及内部资源情况进行分类分析，同时结合内、外部环境及电子银行业务特点进行SWO综合分析,给出苏州农行发展县域电子银行业务的企业层次、经营层次和职能层次三个层级的发展战略选择。为保障战略实施，本文制订了保障战略实施的相关措施，并提出评价与控制县域支行电子银行的发展业绩、发展行为和战略基础

3、的控制机制。最后,通过对苏州农行转账电话发展战略的案例分析说明运用县域电子银行业务发展战略的可行性。【英文摘要】WiththeacceleratedpaceofChina'sfinancialsystemreformandtherapiddevelopmentofelectronicinformationtechnology,e-bankinghasbecomeindispensablecompetitionmeansforcommercialbankstosurviveanddevelop.Inrecentyears,largecommercialbankssuchastheIndu

4、strialandCommercialBankofChina(ICBC),AgriculturalBankofChina(ABC),BankofChina(BOC)andChinaConstructionBank(CCB)etc.haveacceleratedthepaceofcomputerizationconstruction,whilecompetitionsine-bankingwithintheindustryhasgraduallyspreadfromurbanareastocounties,andbecomeincreasinglyfierce.Asasecondarybranc

5、h,AgriculturalBankofChinaSuzhouhasthedoublefeatureofbusinessmanagementandbusinessoperation.Itiscurrentlyintheperiodofbusinesstransition,andthedevelopmentofe-bankingisoneoftheprioritiesofthecurrenttransformation.Comparedwiththoseinthesameindustry,thee-bankingdevelopmentofAgriculturalBankofChinaSuzhou

6、Branchiscenteredonthecounties.Whileallthefivecountybrancheshaveacomprehensivecompetitiveadvantageatlocal,theyalsofacegreatercompetitivepressure.Tosolvetheproblemofthecounty'se-bankingdevelopmentwillhaveadecisivesignificaneeforthereformanddevelopmentofAgriculturalBankofChinaSuzhouBranch.Thispaper

7、adoptstheanalysismethodofcombiningtheoriesandrealdevelopmentsituation.Onthebasisofexpoundingthebasictheorysuchastheconcept,features,advantagesandthedevelopmentstatusofe-banking,thepaperdeeplyanalyzesthefeaturesofthecountybranchesandproblemsexistinginthedevelopmentofe-bankingaccordingtotheoperational

8、characteristicsofAgriculturalBankofChinaSuzhouBranch;itproposestodevelopcountye-bankingbusinesses,andutilizesstrategicmanagementtheoryofthefive-dimensionalmodel,toanalyzetheexternalenvironmentsuchasmacroenvironmentandindustryenvironmentthatAgriculturalBankofChinaSuzhouBranchisfacingwhiledevelopinge-bankingbusinesses,aswellastheinternalresources;meanwhile,thepapergivesacomprehensiveSWOTanalysisbasedontheinternalenvironment,externalenvironmentandfeaturesofe-bankingbusinesses,anditsuggeststhestrategicchoiceforAgriculturalBankofChinaSuzhouBranchtod