随着互联网的迅速发展和普及,中国已经进入网络经济时代,全新的电子商务生态 产业链逐渐形成,产生了巨大的电子商务金融服务需求 本文以双边市场理论为指导,对设立上海电子商务银行的背景!需求!意义等进行 了深入的阐述,对比了传统银行金融服务与电子商务银行金融服务的差异性,较为系统 性地分析了电子商务行业的发展现状和电子商务金融需求形成过程,重点从市场需求! 政策支持!地理环境和法律依据等方面,研究论证了在上海设立电子商务银行的可行性, 并对其经营范围!公司治理!风险管理和盈利能力进行分析,从而得出在上海设立电子 商务银行是完全可行的结论,旨在为从事电子商务活动的企业或个人提供更加专业化的 金融服务,促进我国电子商务金融服务行业的发展 关键词:电子商务;银行;电子商务银行第H页华东理工大学硕士学位报告 TbeFeasibilityofShanghaiElectronicCommercialBankEstablishment AbstraCt TheinternetindustryhasdeveloPedandPoPularizedraPidlyinChinainthePastdeeade. There15nodoubtChinahasenteredtheintemetera,abrandnewe一eommeneeindustrychain stimulatethehugedemandofe一eommeneefinaneialservices. Thisthesisanalyzesthebaekground,marketdemand,andtheimPortaneetoestablishthe ShanghaiEleetronieeommercebank(e一commereebank)byusingthebilateralmarketing theory.Thisthesisanalyzestheeurrente一eommereedeveloPmentandtheformingProeessof e一eonunercefinaneialdemandbasedontheeomParisonoftraditionalbankandthe e一eommereebankdiffereneereseareh.ThisthesisexPoundstheaffirmativefeasibilityto establishthee一eommereebankinShanghaifrommarketdemand,PolieysuPPort, geographiealenvironment,andlegallaws.Meanwhile,e一eonunereebank.5Produets, corporategovernaneeriskmanagement,andProfitabilityanalysisarekeyfaetstosuPPortthe feasibilityofe一eommereebankestablishxllentinShanghai.TheShanghaie一commereebank establishnlent15agreatProgressofe一eommereeindustrydeveloPedinChina,anditwill ProvidemoreProfessionalfinaneialservicestoe一eomLmereeenterprisesandindividuals. Keywords:EleetronieCommeree(e一eommeree),Bank,EleetronieConunereeBank华东理工大学硕士学位报告第111页 目录 第1章绪论......................................................................................1 1.1研究背景.........................................................................................................1 1.2研究意义.........................................................................................................3 1.3研究思路.........................................................................................................4 1.4研究方法.........................................................................................................4 1.5研究内容.......................................................................................................,.5 1.6报告框架.........................................................................................................6 第2章关于电子商务银行的理论综述..........................................7 2.1双边市场理论综述.........................................................................................7 2.2双边市场理论模型在电子商务银行的应用.............................................7 2.3电子商务银行的双边市场特征.....................................................................8 2.4基于双边市场的电子商务银行效应.............................................................9 第3章电子商务银行概述..............................................................11 3.1电子商务银行的内涵与定位.......................................................................H 3.2电子商务银行的特点...................................................................................11 3.3设立电子商务银行的意义...........................................................................12 第4章上海设立电子商务银行的可行性分析.............................16 4.1市场需求巨大...............................................................................................16 4.2政策支持有力...............................................................................................17 4.3地理环境优越...............................................................................................17 4.4法律依据充分...............................................................................................19 第5章设立电子商务银行的方案..................................................23 5.1电子商务银行的业务范围....................,................................................23 5.2电子商务银行的公司治理结构......................................................,.....,29 第6章设立电子商务银行的盈利分析.................,二,.,..,34 6.1电子商务银行的盈利模式...........................................................................34 6.2资产负债和盈利测算...................................................................................34 第7章电子商务银行的风险控制.....,......................................38第IV页华东理工大学硕士学位报告 信用风险管理...............................................................................................38 操作风险管理...............................................................................................38 市场风险管理...............................................................................................39 流动性风险管理...........................................................................................40 l口一伪J件月,了7了7才7矛 第8章结论与展望.....................................................;.........;.,41 8.1研究结论.........................................................................................................41 8.2研究展望........................................................................................,..........44