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以上市公司的长期银行借款为基本关系,构建银行共同贷款网络,运用复杂网络理论,对比研究了2000年和2009年的网络特征,发现:①非国有大型商业银行首先是争夺国有大型商业银行的市场,而不是自身的相互争夺;②全国股份制商业银行,虽然在上世纪90年代已相继成立,但业务开展并不好,但在样本期间,业务发展相当迅速,形成仅次于国有大型商业银行的中心节点,与国有大型银行共同形成银行系统的核心集团;③虽然国有大型商业银行仍是整个银行系统的中心,但中心地位已有所下降,对整个银行系统的影响力也显著下降,且各国有大型商业银行的影响力已趋于一致,专业性界限已非常模糊;④银行间,特别是居于核心集团的银行之间的共同客户越来越多,银行间接触更加频繁,这不仅是银行间竞争的加剧,同时银行间信息的分享和风险的分担都加强了。 相似文献
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Phavaphan Sivaraks Donyaprueth Krairit John C.S. TangAuthor vitae 《The Journal of High Technology Management Research》2011,22(2):141-157
This research examines and measures the outcomes of electronic customer relationship management (e-CRM) system implementation in the Thai banking industry from customers' perspectives.Because most e-CRM implementations cannot be directly seen or recognised by customers, a literature review and interviews with experts in the Thai banking industry were used to develop a new construct called ‘customer-based service attributes’ to measure e-CRM outcomes from customers' perspectives. A full-scale field survey of 684 customers of Thai commercial banks was then conducted. A service attribute model and a model that combined relationship quality and outcome were constructed, and their validity and reliability was confirmed. Analysis of the results by using structural equation modelling (SEM) illustrated that e-CRM implementation has a statistically significant positive relationship with customer-based service attributes and with the quality and outcome of customer–bank relationships as well as an indirect effect on relationship quality and outcome through customer-based service attributes. 相似文献
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随着金融业的不断开放,我国银行为了打破传统利息业务的束缚开始进行不断的产品创新,寻求新的利润增长点来应对外资银行的挑战。采用固定效应下的GLS法,运用2003—2008年我国12家商业银行的面板数据实证分析了外资银行进入对我国银行产品创新的影响。研究发现,外资银行的进入促进了我国银行的产品创新能力的提高,并且效果显著。另外,我国银行的产品创新能力与经济发展程度、国有银行总资产占银行业金融机构总资产比、不良贷款率和员工薪酬呈正相关,与银行规模呈负相关,与净息差的关系则表现为不显著。 相似文献
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Mobile information services have revolutionized business models and service delivery methods by facilitating consumer access to information and order placement via mobile apps. In developed markets, mobile banking (m-banking) and mobile payment (m-payment) applications have replaced text-based mobile services. However, extant research has not addressed these mobile financial services apps (MFSAs) adequately from the perspective of consumer behavior. Thus, the present study developed and tested a series of hypotheses related to the antecedents of perceived value of MFSA use; it also examined how such use affects the development of customers’ overall relationships with banks. Our hypotheses were tested using two samples (N = 992; N = 524) comprising different types of MFSA end-users in one of the leading countries in digital banking, Finland. The results supported most of the hypotheses and revealed that self-congruence and new product novelty are the principal drivers of perceived MFSA value. In addition, the findings show that the perceived value of MFSAs yields strong positive effects on customers’ overall satisfaction and commitment to their bank. The present study’s key managerial implication is that banks’ investments in developing MFSAs result in improved relationships with customers and increased business. 相似文献
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电子银行安全问题分析 总被引：1，自引：0，他引：1
电子银行是虚拟银行,对客户来说,只要可以接入internet就能得到银行服务,真正实现跨区域、全天候服务。电子银行业务的网络化、无纸化、实时交易以及不受任何时间（Anytime）、任何区域（Anywhere）限制等特点,决定了其经营风险要高于传统渠道业务。只有保证了安全,才谈得上盈利。资金安全对银行、顾客和商家永远都是至关重要的。如何确保交易安全,为个人保密,就成为电子银行业务发展的最需解决的问题。 相似文献
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商业银行信用风险综合评价研究 总被引：14，自引：0，他引：14
商业银行信用风险评价作为一种有效的金融监管方式，是银行监管体系中的重要组成部分。本文根据商业银行信用风险评价指标体系建立的原则，从经营环境、银行素质、盈利能力、风险状况等四个方面建立商业银行信用风险评价指标体系，将定性分析与定量分析相结合，运用模糊数学理论对银行信用风险进行综合评价，并选择一家银行进行实证分析。 相似文献
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顾客担心个人隐私信息得不到有效保护是其不愿意使用网络银行的主要原因之一。研究表明,在网站上张贴隐私协议和隐私印章,能提高顾客对网络商家的信任和使用意愿。为此,本文以网络银行为研究背景,以理性行为理论为基础,探究隐私协议、隐私印章对我国网络银行顾客信任及其使用意向的影响作用,并应用结构方程方法进行实证研究。通过对198个有效调查样本的研究结果表明:隐私协议、隐私印章两者既会直接正向影响顾客对网络银行的信任和使用意向,又会通过信任这一中介变量,对顾客的使用意向产生间接正向影响。 相似文献
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孟令国 《科学．经济．社会》2010,28(4):32-35
根据银行组织治理的特征,本文建立了一个治理制度变革的理论模型,探讨银行股权国际化与治理制度创新的关系。结果表明,控股股东与非控股大股东之间的有效制衡关系是实现银行治理效率的有效安排;只要外资股权的制度质量高,并且股权投资者的持股比例超过一定的域值,就可以实现国内商业银行治理机制的创新演化。为确保银行金融机构的稳健经营,探索中国特色的银行业公司治理模式,监管层可以增加外国股权投资者的制度质量评估,适当提高持股比例、延长持股年限,促使战略投资者与国内银行形成长期的战略共生关系。 相似文献
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The provision of banking services on the Internet (e-banking) is growing but there is a lack of research related to the organisational issues involved in its adoption. This paper brings theory and practice together by synthesising the existing literature with real-life experience of a UK bank. Two questions motivated this research. First, what is the experience of organisations in adopting e-banking? Second, what are the organisational factors which are critical to the success in e-banking adoption? A case study research approach was used to investigate organisational critical success factors in e-banking adoption at The Woolwich bank. The factors found to be most critical for success in e-banking included: understanding customers, organisational flexibility, availability of resources, systems security, established brand name, having multiple integrated channels, e-channel specific marketing, systems integration, systematic change management, support from top management, and good customer services. We concluded that banks need to implement considerable organisational changes in order to web-enable themselves. The main focus of their e-commerce strategy should be to integrate the e-banking channel with other service delivery channels to maximise benefits. 相似文献
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Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population. 相似文献
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境外战略投资者对商业银行效率与治理影响的实证研究 总被引：2，自引：0，他引：2
从不完全合同理论以及资产专用性的角度分析了引入境外战略投资者对商业银行效率和治理的影响,并以28家国内银行1995～2008年的面板数据进行了实证研究。整体来看,战略投资者提高了国内商业银行的效率和公司治理水平。但不同类型的银行、处于不同发展阶段的银行,境外战略投资者的影响是不同的。对于股份制银行,境外战略投资者能显著提高其效率和治理水平;但对于国有银行,境外战略投资者带来的提升作用有限。另外,对于还未上市的银行,境外战略投资者更关注其治理水平的提高,而对于已经上市的银行,境外战略投资者则更关注其盈利能力的提高。 相似文献
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随着信息技术的发展,电子银行也随之得到了前所未有的发展,目前已经成为现代银行最重要的组成部分。就国内情况来看,电子银行近年也得到了迅速发展。但是,处于国内银行第三梯队的城市商业银行,尽管得益于近几年国内金融市场的有利形势而得到快速发展。但就其整体而言,其竞争力依然很弱,而其电子银行发展更是滞后,这已经无法满足激烈的市场竞争需要。因此,城商行需要清醒认识到电子银行对其自身转型与生存的重要性,找出自身差距,并采取积极措施,不断完善其电子银行的发展,来满足其发展的需要。 相似文献
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This paper examines empirically the factors that affect the adoption of Internet banking by Tunisian bank customers. As base model, we use the technology acceptance model (TAM) and theory of planned behavior (TPB). The model employs security and privacy, self efficacy, government support, and technology support, in addition to perceived usefulness, perceived ease of use, attitude, social norm, perceived behavior control and intention to use Internet banking. Structural equation modeling is employed to examine the inter-correlations among the proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis was used to determine the measurement efficacies. Theoretically, this study confirms the applicability of the TAM model and TPB in predicting Internet banking adoption by Tunisian bank customers. The results allow banks' decision makers to develop strategies that can encourage the adoption of Internet banking. Banks should improve the security and privacy to protect consumers' personal and financial information, which will increase the trust of users. Government should also play a role to support bank industry by having a clear and solid law on this will ensure that customers are more confident for using Internet banking, ensuring a better Internet infrastructure and helps them to encourage users to use Internet banking. Lastly, Tunisian Banks should focus on those clients who already have a home PC, access Internet and more educated and younger since they are the most likely to adopt Internet banking. 相似文献
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我国银行体系的演变、中国加入世界贸易组织以及国有独资商业银行的股份制改造，给我国国有商业银行的劳资关系带来巨大的冲击。本文采用深度访谈等国际标准的研究方法，在对案例银行不同层级的员工访谈的基础上，研究我国国有商业银行劳资关系的变迁和存在的问题，并从政府、银监会以及银行自身的人力资源管理制度等方面提出相应的政策性建议。 相似文献
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Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking. 相似文献
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我国金融体系的改革与创新伴随着金融脱媒,传统银行功能减弱而直接融资渠道功能增强,国内影子银行逐渐兴起。我国影子银行体系以银行为绝对主导,从事常规银行信贷以外的信用发放活动。但是,我国影子银行体系资金来源并不稳定,而资金运用投向不够透明,通过对影子银行体系资产端和渠道中介的监管,可以预防由此引发的金融风险。 相似文献
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闫海 《科学．经济．社会》2009,27(3):116-119,128
中央银行透明度是指中央银行目标、决策、行动的公开程度,又称货币政策的透明度。依据透明度的标准与范围,中央银行透明度有较多的分类方式。问卷调查法、指标评分法和市场预期指数法等是量化和测度中央银行透明度的基本方法。透明化已经成为世界各国中央银行制度发展的基本趋势,美联储是世界上最重要的中央银行之一,关联储透明度的不断提高具有典型的代表性。 相似文献
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《The Journal of High Technology Management Research》2014,25(2):123-131
This study investigates the competition and challenges of mobile banking system in Thailand. The analyses of the competitive landscape of mobile banking innovations are based on the Managing Migration Paths Model. The empirical study focuses on the leading banks in Thailand: Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank and Bank of Ayudhya. The study discusses the strategies, SWOT analyses of the mobile banking industry in the move towards the m-money economy. The results have shown that banks see mobile banking as a convenient delivery channel to provide value-added services to the bank customers. The competition forces banks to seek strategic alliances (network collaboration between the banking and ICT industries) to offer innovative solutions in the payment market. The results provide insightful implications on future challenges and increasing competition under 3G and 4G mobile phone networks whereby the e-payment market will get bigger when Thailand would enter the ASEAN Economic Community (AEC — upcoming regional competition in AEC countries) in 2015. 相似文献
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Nicoletta Corrocher 《Research Policy》2006,35(4):533-544
This paper examines the determinants of adoption of Internet banking among Italian retail banks. In particular it aims at investigating the nature of Internet banking in relation to traditional banking activity. In doing so, the paper analyses the role of firm-specific and market-specific characteristics in affecting the decision to provide financial services via the Internet. The empirical analysis indicates that the adoption of Internet banking depends upon the characteristics of traditional banking activities, particularly in terms of existing networks of distribution and existing customers. First, banks with high branching intensity adopt more slowly than banks with a few branches in place. Second, adoption is negatively affected by the existence of a large customer base, once we control for assets. An important consequence of this is that the provision of financial services over the Internet is a strategy directed more at attracting new customers than at strengthening the relationship with existing ones. 相似文献