摘要
进入 21 世纪以来电子商务以及互联网实现了跨步式的发展，在这种形势下，
网络金融应运而生，作为网络金融的核心，电子银行必将成为引领金融领域发展与
变革的重要力量。近些年来，电子银行业务发展强劲，交易替代率逐年上升，电子
银行业务的实力决定了商业银行的竞争力与发展。光大银行很早就注意到电子银行
的无限前景，积极应对，不断创新推出产品和服务，电子银行业务发展迅速。但是
由于其银行规模，加上自身营销能力不足也使得其电子银行业务创新实力也受到一
些限制。因此光大银行需要针对自身创新现状以及问题进行充分的认识，识别继续
发展电子银行创新的渠道，在激烈的竞争中继续扩大市场份额

我国 “十三五”规划中明确提出了银行的改革方向，要求各商业银行在现有
业务的基础上不断深化金融创新，从业务、产品、技术三方面入手加大创新力度，
谋求金融领域体制改革的同时对实体经济提供支持，建立银行运营的新模式。基于
这样的宏观环境与背景，本文开展了深入的文献研究并具体结合光大银行进行了案
例分析，力图为商业银行创新模式优势进行总结并提出相关建议

本文共分为五个部分：
第一部分为文章的导论。首先提出了本文的研究背景，研究目的以及研究意义，
之后介绍了本文的研究内容与研究方法，然后介绍了国内外相关文献综述，要从电
子银行业务定义及发展意义、电子银行业务发展现状及存在的问题、电子银行业务
创新发展方向三方面进行了回顾。最后介绍了本文的创新与不足

第二部分对电子银行以及金融创新的概念进行了界定，介绍了电子银行业务分
类、与传统银行业务比较优势及其创新的特征与动机，之后重点分析了国内外电子
银行业务创新现状，并对我国电子银行业务创新存在的问题进行了总结

第三部分具体分析了光大银行电子银行业务开展的背景，并结合时间节点对光
大银行电子银行业务开展以来的创新性成果进行了阐述，在此基础上，重点研究了
光大银行自身在电子银行业务积累的优势及其存在的问题

第四部分是本文的案例分析部分，结合光大银行推出的加油站缴费新模式对于
其电子银行业务创新的全过程进行了介绍，并对比传统支付手段分析其存在的优势，
光大银行电子银行业务推出的“云缴费”平台结合大数据的优势实现了真正的价值
增值，加强了自身的竞争优势

第五部分针对前文的理论与案例分析对光大银行电子银行业务创新提出了建
议，认为其应该继续不断的加强自己的服务与创新能力，加强风险管理，同时要利
用现有资源弥补自身在营销方面的不足

关键字：电子银行；光大银行；金融创新I
ABSTRACT
Since twenty-first Century，the electronic commerce and the Internet have achieved
step type development, in this situation, the network finance came into being, as the core
of network finance, electronic banking will become the leading power of the
development and reform of the financial sector. In recent years, the electronic banking
business has been strong developed, and the rate of transaction substitution has been
increased year by year. The strength of electronic banking determines the
competitiveness and development of commercial banks. Everbright Bank has long been
aware of the unlimited prospects of electronic banking, actively respond to it and
constantly introduces innovative products and services, the electronic banking have a
rapid development. However, due to the size of its banks, also with its lack of marketing
capabilities, it makes its electronic banking innovation strength is limited. Therefore,
China Everbright Bank needs to fully understand the current situation and problems of its
own innovation identify and continue to develop innovative channels of electronic
banking, and continue to expand market share in the fierce competition.
China&39;s 13th Five-Year plan clearly put forward the reform direction of the bank,
requiring commercial banks to deepen the financial innovation on the basis of existing
business. The innovation is in there ways, respectively business, products and technology.
The innovation needs to seek the reform the financial sector system、provides support to
the real economy and establish the new model of Bank operation. Based on the
environment and the background, this paper carries out in-depth literature study and
combines with the China Everbright Bank actual case to analysis, in order to summarize
the advantages of innovation mode of commercial banks and puts forward related
suggestions.
This article is divided into five parts:
The first part is the introduction of the article. First of all, this paper puts forward the
research background, research purpose and research significance, and then introduces the
research content and research methods, after that is the literature review of this paper, the
domestic and foreign electronic banking and financial innovation, the literature review,
mainly from the three aspects of the definition and significance of the development of
electronic banking, electronic banking business development status quo and problems of
electronic banking business innovation and development direction were reviewed, andII
finally introduces the innovation and shortcomings of this article.
The second part defines the concept of electronic banking and financial innovation,
introduces the classification, electronic banking and traditional banking electronic
banking comparative advantages and innovative features and motivation, then focuses
on the status quo of the electronic banking business innovation in domestic, and the
existence of the innovation of China&39;s electronic banking business problems.
The third part is a detailed analysis of China Everbright Bank electronic banking
business development background, combined with the innovative achievements of time
since China Everbright Bank electronic banking development is discussed, on this basis,
focusing on its accumulation in China Everbright Bank electronic banking business
advantages and existing problems.
The fourth part is the case analysis part, according to the China Everbright Bank
launched a new payment mode of gas station are introduced for the whole process of the
electronic banking business innovation, and compared with the traditional means of
payment of the existence of the advantages of the electronic banking business of China
Everbright Bank launched the cloud payment platform combines the advantages of big
data to achieve a real the value added, to strengthen their own competitive advantage.
The fifth part of the theory and case analysis of the former suggestions on China
Everbright Bank electronic banking business innovation put forward that it should
continue to strengthen their ability to service and innovation constantly, strengthen risk
management, and use of existing resources to make up their own marketing is not
enough.
Key words: China Everbright Bank; electronic banking; finance innovation1
目 录
第一章 绪论...1
第一节 研究背景 1
第二节 研究目的与意义 1
第三节 研究内容和研究方法 ....2
一、研究内容....2
二、研究方法....2
第四节 文献综述 3
一、国外文献综述........3
二、国内文献综述........4
第
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