文档介绍：南京航空航天大学
硕士学位论文
我国商业银行发展电子银行业务对策探讨
姓名:鲁兴华
申请学位级别:硕士
专业:金融学
指导教师:段进东
20080401
南京航空航天大学硕士学位论文

摘要
在全球金融一体化、信息化的背景下,金融业竞争日趋激烈,电子银行业务
正成为各商业银行发展的焦点。本文根据经济学和金融学的相关理论,运用规模
经济效应、范围经济效应、DEA 经营效率评价等方法,对中国工商银行、中国
农业银行、中国银行、中国建设银行、中信银行、浦发银行、招商银行和兴业银
行等八家国内商业银行电子银行业务的发展现状和趋势进行了实证分析,研究结
果显示,由于银行体制、市场发展、经营策略等方面因素的制约,我国电子银行
业务的规模经济效应和范围经济效应并不明显;在经营效率方面,国有四大银行
总体表现要优于股份制银行。为此,我国商业银行要更快更好发展电子银行这一
新兴业务,应该加强战略规划,并在经费投入、风险防范、优势资源整合和人力
资源开发等方面加大建设力度,提高我国银行业的整体竞争优势。

关键词:商业银行,电子银行业务, DEA 模型,经营效率

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我国商业银行发展电子银行业务的对策探讨
Abstract
On the background of global financial integration and informization, the
competition in Banking industry is getting intense day by day and E-banking business
is ing the focal point in the development of mercial banks.
Following up the theory related to Economics and Banking and, adopting the
evaluation methods of Scale economic effects, Scope economic effects and DEA
managing efficiency, this article is to make a positive analysis on the existing situation
and developing tendency of E-banking business of the following 8 domestic
commercial banks, . Industrial & Commercial Bank of China, Agricultural Bank of
China, Bank of China, Construction Bank of China, China CITIC Bank Co. Ltd,
Shanghai Pudong Development Bank Co. Ltd, China Merchants Bank Co. Ltd and
Industrial Bank Co. Ltd. Through the research, it has been clearly founded that the
Scale economic effects and Scope economic effects in China’s E-banking business are
still not distinct due to the restriction from the banking system, market developing and
managing strategy. As far as the managing
Efficiency is concerned, the joint-stock banks perform in general better than
the state-owned four banks. Therefore, in order to develop E-banking business in
China’mercial banks more quickly and efficiently, it is necessary to strengthen
the strategic plan, enhance the constructions on expendit