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IT development under the conditions of our commercial banking business innovative research

Author: ZuoXueMei
Tutor: WangJinZhong
School: Southwestern University of Finance and Economics
Course: Business Administration
Keywords: Information technology Commercial bank Financial innovation Competitive
CLC: F832.2
Type: Master's thesis
Year: 2007
Downloads: 340
Quote: 1
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Abstract


With the development of information technology , financial innovation, high dependence on financial technology , banking and financial technology highly relevant to the bank 's financial technology strength , especially business needs , the level of business software , systems integration and network technology , will increasingly determine the ability of the banking and financial innovation , and become one of the hallmarks of measure of the competitive strength of the bank . China 's commercial banks and foreign banks in the comprehensive strength of the financial technology than large gap between the quality customers diversified and personalized products can not meet the demand , the market is not strong . This paper attempts to theoretical and empirical analysis of the impact of the commercial banking business innovation through the development of information technology , to objectively reflect business innovation status quo of China 's commercial banks , to provide a reference for business innovation capability of China 's commercial banks to enhance their core competitiveness . The paper is divided into five parts . The first part starting from the macro- and microeconomic theory , introduced under the conditions of the development of information technology , the theoretical basis of commercial banking innovation . The introduction of the concept of banking innovation , depth to define its meaning and substance , to lay the foundation for empirical research and recommendations . The second part describes the development of information technology on the business development of the commercial banks , and pave the way for the demonstration of the follow-up questions . The third part from the macro- environment changes , changes in customer demand trends , changes in the market and customers to explain the new requirements of the commercial banks demand for technological innovation of China 's commercial banks . The fourth part of the status quo of China's information technology -based , introduce business innovation status quo of China 's commercial banks . The fifth part is On the commercial banks on the basis of the preceding chapters to enhance business innovation strategy to provide a reference for enhancing competitiveness . The future bank competition is no longer is the low level of price competition and interpersonal , customer and market competition is more competitive , and attached to the service means service levels , IT IT support means products ability to innovate the competition . It is also proposed in this paper to China 's commercial banks need to further improve business innovation system and management information system to improve the original intention of financial innovation capacity and market competitiveness .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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