秦农银行互联网金融业务发展策略研究

发布时间：2018-03-12 22:29

本文选题：互联网金融　切入点：秦农银行　出处：《兰州理工大学》2016年硕士论文　论文类型：学位论文

【摘要】：互联网金融是互联网与金融的融合,人们生活的各方各面都融入了互联网,人们被互联网深深吸引。互联网金融名气的打响,是2013年余额宝的问世,它给传统金融带来了巨大的冲击,使得传统金融模式也随之做出变革与调整。因此,互联网行业最终向传统金融发起了挑战。互联网金融主要由P2P网络借贷与众筹融资等形式构成,互联网具有“协作开放分享平等”的特点,给金融行业灌输了新的血液与生命,与此同时也引起了更加激烈的竞争,也促进了各行各业的深度合作。互联网金融与传统金融在很多方面产生差异,比如融资模式,管理方式等,而且给消费者的体验也绝对不同。随着互联网金融的崛起与兴盛,各大银行于2014年初加大它的研究与探索,并且都有意构建自身的互联网金融销售平台。截至目前,虽然互联网金融并未形成自身成熟的商业模式,但是银行仍然需要对它进行再调整、再创新。秦农银行成立时间短,加之较低的起点与薄弱的基础,使得它在这场激烈竞争中处于弱势。而且与几大银行相比,资产质量、人员素质及资产规模与信息化水平等各个方面都存在不足,基于此,秦农银行在特色业务方面需要加大创新力度,需对银行内部与外部环境进行深入剖析,认清竞争中的优劣势,然后借助于发展时机发挥发展优势。依托于差异化经营的定位策略,结合产品策略以及客户为核心服务对象的策略,一步一步引进互联网元素,最终提升银行的业务创新能力,实现银行的快速发展与长久生存。
[Abstract]:Internet finance is the fusion of Internet and finance. All aspects of people's lives are integrated into the Internet. People are deeply attracted by the Internet. The fame of Internet finance was the advent of Yu'e Bao in 2013. It brings great impact to the traditional finance, and makes the traditional financial model change and adjust accordingly. The Internet industry has finally launched a challenge to traditional finance. Internet finance is mainly made up of P2P network loans and crowdfunding, and the Internet has the characteristics of "cooperation, openness, sharing equality," which has instilled new blood and life into the financial industry. At the same time, it has also caused more fierce competition and promoted deep cooperation in various industries. Internet finance differs from traditional finance in many aspects, such as financing patterns, management methods, and so on. And the experience for consumers is definitely different. With the rise and prosperity of Internet finance, the major banks increased their research and exploration in early 2014, and are interested in building their own Internet financial sales platforms. Although Internet finance has not formed its own mature business model, banks still need to readjust it and re-innovate. Qinnong Bank has a short time to establish, coupled with a low starting point and a weak foundation. It is in a weak position in this fierce competition. And compared with several major banks, the quality of assets, the quality of personnel, the scale of assets and the level of information are all inadequate. Based on this, Qinnong Bank needs to make more innovations in its characteristic business, to analyze the internal and external environment of the bank in depth, and to recognize the advantages and disadvantages in the competition. Then, with the help of the development opportunity to give full play to the development advantage, relying on the positioning strategy of differentiated management, combining the product strategy and the strategy of customer as the core service object, the paper introduces the Internet element step by step, and finally promotes the bank's business innovation ability. To achieve the rapid development of banks and long-term survival.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832

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