工商银行个人网上银行业务发展问题研究

Research on the Development of Personal E-banking of ICBC

随着互联网的日益普及和网民的日益增多,巨大的在线金融需求推动了国内个人网上银行业务的快速发展。本文以工商银行个人网上银行业务发展为切入点,运用最优控制和比较分析等方法,对效益成本、业务考核和安全技术三个影响个人网上银行业务发展的主要问题进行探析。结果表明:采取单项产品核算控制策略,有助于实现个人网上银行业务效益成本的精细化管理;采取质量导向业务考核策略,合理设定关键指标权重,有利于构建科学的个人网上银行业务考核体系;采取优化提升安全技术策略,开发个人网上银行业务专有客户端,能有效提升银行的服务能力和效率。

With the increasing popularity of intemet and the fast growth of Chinese net citizens, a huge demand for online finance forces personal E-banking to develop rapidly. By using optimal control and comparative analysis approaches, the paper focuses on ICBC＇s personal E-banking, and deeply analyzes three important issues that affect its development, which are cost-effectiveness, business assessment and security technology. The main conclusions are as follows： adopting single product accounting control strategy can contribute to fine management of cost effectiveness; adopting quality-oriented business assessment strategy and reasonably setting the weight of key indicators can contribute to the construction of a scientific performance assessment system; adopting optimizing security technology and developing specific client for personal internet banking can contribute to the improvement of service ability and efficiency.