联系我们

论文查询结果	返回搜索

论文编号：	8873
作者编号：	2120142772
上传时间：	2016/12/9 13:50:28
中文题目：	兴业银行支付结算体系优化分析
英文题目：	Optimization analysis of payment and settlement system of Industrial Bank
指导老师：	牛建波
中文关键字：	支付结算；优化；分析
英文关键字：	Payment and settlement；Optimize；Analysis
中文摘要：	近十几年来，随着人类社会经济及技术的飞速发展，我国商业银行无论从业务规模上来说，还是从业务种类上来说，都取得了长足的进步，并逐步缩小了与世界先进商业银行之间的差距。而在我国银行业的发展过程中，由于研发资金投入的增加及科学技术的进步，其支付结算系统也日趋完善。尤其是最近几年，随着银行业传统利润的最大来源-利差收入的逐渐减少，各银行纷纷开拓新的利润增长点，其中作为中间业务收入的支付结算业务收入也越来越受到重视，因此，各银行对支付结算体系的发展建设提高了重视，并取得了不错的成绩。但是，在人类社会如此迅速的发展趋势下，伴随着互联网技术的崛起，尤其是移动互联网技术的飞速发展，支付结算领域无论是从支付组织、支付介质、支付渠道来说，还是从账户形式、支付模式等各个方面来说，都发生了天翻地覆的变化。从商业银行内部来看，出现如下变化：一是银行卡交易逐渐增多，同时现金交易逐渐减少；二是电子票据对纸质票据的替代率逐渐上升；三是无卡支付方式蓬勃发展，如电话银行、网上银行、手机银行等各种支付渠道不断的创新。以上变化为银行支付结算体系的发展提供了内生动力；从商业银行外部来看：第三方支付组织的大量涌现，第三方支付工具的快速创新及发展，对商业银行支付结算体系发展提供了外部压力。由此看来，商业银行支付结算体系的发展也面临着巨大的挑战，任重而道远，需要各商业银行对支付结算体系提高重视、不断创新发展，跟上社会发展进步的浪潮。本论文首先介绍了作者进行选题的背景和意义，通过分析国内外支付结算体系现状，提出本论文的研究内容及研究方法；其次，介绍了与支付结算体系相关的理论，并对支付结算体系的行业特性及参与者情况进行了分析；然后，根据兴业银行的支付结算体系现状，指出其体系的优势及不足之处，并对支付结算体系进行SWOT分析；最后，针对兴业银行支付结算体系存在的问题，通过综合的比较和分析，对兴业银行的支付结算体系发展做出优化建议，并给出保障优化成功的相关措施。作者一方面想通过本论文的写作，提高自身的业务水平；另一方面，也希望通过本论文提出一种研究思路，以供各位专家及同行探讨。
英文摘要：	In recent years, with the rapid development of economic and social, the Commercial Bank of our country from both the business size or type of business, have made great progress, gradually narrowing the gap with the advanced banks in the world. In the course of the development of China's banking industry, due to the increase of R & D investment and progress of science and technology, the payment and settlement system is also becoming more and more perfect. Especially in recent years, with the largest source of traditional banking profits - spread income gradually reduced, banks begin to open up the new profit growth point, which as the intermediate business income of payment and settlement business income also has been paid more and more attention. Therefore, the banks of the payment and settlement system of development and construction increased attention and achieved good results. But under the development trend of human society with each passing day, accompanied by the rise of the Internet, especially the rapid development of mobile Internet, payment and settlement areas from organization, media, channel, accounts, payment mode and other aspects, have taken place in the earth shaking changes. From the point of view of commercial bank's internal: bank card business gradually increased, cash transactions are gradually reduced, electronic bills of paper bills replacement rate rises gradually, non card payment to thrive in, telephone banking, Internet banking, mobile banking and so on a variety of payment channels of innovation, to bank payment and settlement system development provide the endogenous motivation; external commercial banks from the point of view: the emergence of a large number of the third party payment organization, rapid innovation and development of the third-party payment instruments, of commercial bank payment clearing system development provides the external pressure. From this point of view, the commercial bank payment clearing system development is faced with enormous challenges shoulders heavy responsibilities and need to the commercial banks for payment and settlement systems to improve attention, constant innovation, keep up with the tide of social development and progress. This paper first through the background and significance of the topic, analysis of domestic and foreign payment settlement system research present situation, to propose the research content and the research methods; secondly, introduces the payment and settlement system of related theory, and the payment and settlement system of related industry characteristics and the participants are analyzed; then, according to the current situation of the industrial bank payment and settlement systems. It is pointed out that the advantages and disadvantages of the system; finally, according to Industrial Bank payment settlement system existence question, through comprehensive analysis, to Industrial Bank payment and settlement system development to make suggestions on how to optimize, and puts forward guarantee the optimization measures associated with success. On the one hand, on the one hand, through the writing of this paper, improve their business level; on the other hand, also hope that through this paper put forward a kind of research ideas, for your experts and colleagues to explore.
查看全文：	预览  下载(下载需要进行登录)