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论文编号：	5750
作者编号：	2120112788
上传时间：	2013/12/4 11:26:25
中文题目：	兴业银行金融IC卡竞争战略
英文题目：	The Competitive Strategy of Industrial Bank’s financial IC card
指导老师：	石鉴
中文关键字：	兴业银行;金融IC卡;竞争战略;战略规划
英文关键字：	the industrial bank;financial IC card;Competitive Strategy;Strategic Planning
中文摘要：	如今，芯片卡加载多行业应用的加载，是当今银行卡芯片化业务升级的重要标志。做为商业银行来说，对于银行卡产业升级的战略，应有着清晰的规划。推进金融IC卡的业务创新，积极探索行业应用模式，是银行能够在芯片化时代的激烈竞争中能够占据优势的必然之路。就我国现状以及国情而言，电子货币的发行主体为中国人民银行或者中国人民银行委托的金融机构是比较可行的办法。理由有：第一，利于政府对电子货币进行监控，并根据电子货币的发展及时调整货币政策，保证支付系统的可靠性。第二，由于由央行发行的电子货币在最终兑付性上可靠，对消费者而言易于接受，从而推动电子货币的普及与发展。对于现阶段金融IC卡的大力发展，意味着中国电子货币春天的到来。本文以兴业银行为案例，使用竞争战略的基本理论，根据其市场定位及竞争优势，制定了其在金融IC卡市场中的竞争策略。对比国有银行和其他股份制银行，并配以三个极具说服力的案例，证明兴业银行有着独特的芯片卡市场和战略规划，且这样的规划是可行和可靠的。结论表明，金融IC卡的发展是必然的，兴业银行应该坚持自己的战略规划，发展自己的芯片卡市场。最后引出移动支付的概念，该支付方式在今后发展中会成为主流支付手段。各商业银行应当自主的填补移动支付的空白，在移动互联网上，及时将无卡变成有卡。此举更是银行抢先于电商布局的一个机会。
英文摘要：	To business bank now,Multi-industry application loading is a remarkable symbol in the bank card industry to upgrade the chip. As commercial banks, to the bank card industry,upgrading strategy should have a clear plan. Promote financial IC card business innovation, and actively explore industry application model, the bank can take advantage of the inevitable road in fierce competition of the chip era. For current situation and conditions, As the electronic money main issue ,the People's Bank of China or the Chinese People’s Bank entrusted financial institutions is more feasible. The first, which will help the government to monitor electronic money and electronic money based on the development of timely adjustments to monetary policy, payment systems to ensure reliability. Secondly, since the electronic money issued by the central bank in the final payment of the reliable, easy to accept for consumers, thus promoting the popularization and development of electronic money. For this stage to develop financial IC card, electronic money means the arrival of spring. In this paper, using the Industrial Bank as the case, using the basic theory of competitive strategy, based on its market position and competitive advantages, develop its financial IC card ‘s competitive market strategy. Contrast by the state-owned banks and other joint-stock banks, with three persuasive case to prove the Industrial Bank has a unique chip card market and strategic planning, and such planning is feasible and reliable. We can make a conclusion that the development of financial IC card is inevitable, and the Industrial Bank should stick to their strategic planning, develop their own chip card market. The paper finally show the concept of mobile payments, indicating that the payment method in the future development will become the mainstream means of payment. It should be independent of all commercial banks to fill gaps mobile payment, mobile Internet, in a timely manner will become a card without the card. This is the first bank in the layout of the electricity supplier a chance.
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