移动商务环境下的商业银行金融服务创新研究

发布时间：2018-06-18 17:19

本文选题：移动电子商务 + 商业银行　；参考：《华中师范大学》2013年硕士论文

【摘要】：近些年来,现代移动通信技术发展很快,整个通信行业的发展速度可谓是日新月异,在它的影响之下,移动电子商务市场逐渐确立下来,发展前景十分远大。移动应用具有无可比拟的优点,如覆盖范围广,具有很强的便利性等,因此在全世界都比较盛行,也正是因为如此,移动电子商务成为电子商务模式的最重要组成部分。从全世界的金融发展演变过程来看,金融创新贯穿始终,金融创新有利于全世界金融业的发展,也直接关系着经济水平的提升速度,所以它对全球经济的影响是重大而深远的。美国次贷危机是金融危机爆发的导火索,但从实质来看,金融危机的爆发是在金融衍生品创新过程中出现的,由于过度使用了金融杠杆,之后对整个金融市场产生影响,使全球实体经济都受到不同程度的破坏。所以,金融创新是一把双刃剑,它一方面能够促进金融发展、提升经济水平,但是从另一方面来看,它扩大了金融风险,无论是金融机构还是实体经济所面临的风险都会加大。金融创新使金融市场上的产品更加多样化,有力地推动了经济的发展,但是它也使金融市场更加难于监管,为金融体系,乃至整个经济领域带来前所未有的挑战。如果金融产品与实体经济不相吻合,过于创新,金融风险就会出现,金融风险出现之后,在杠杆作用的巨大影响之下,所产生的不利后果就会以几何级数的形态被迅速扩大,整个银行系统会遭受巨大的损失,同时也会迅速对其他领域中的企业产生影响,甚至出现金融危机。尽管金融创新可能会导致金融风险,可是并不能终止金融创新,因为全球经济发展的未来方向是经济的全球化,而实现经济全球化的推动力量就是金融国际化。自我国成为WTO的成员国之后,国内的银行领域与国际开始趋向一致,要接受国家化得通行规则,这一点与金融全球化的趋势一致。当前,外资银行涌入我国,纷纷在我国成立分行,希望在中国的金融领域分得一杯羹,这就导致我国的国内银行遭遇了前所未有的巨大挑战。在这种条件下,国内银行必须要加快产品创新的步伐,这是求得自身生存和发展的必由之路。如今,我国的金融环境与之前相比也出现了很大的变化,企业或者消费者所需要的金融产品的种类不断增多,也日益复杂,这就导致先前传统的金融产品与现实需求不相符。正是因为企业或者消费者对金融产品的需求越来越多样化,越来越复杂,所以与企业或者消费者的具体需求相配套的产品更具有竞争优势。总之,在当前激烈的市场竞争中,国内银行要想在市场中提高自己的地位,必须加快产品,尤其是移动电子商务产品的创新步伐。商业银行是组成我国国内金融体系的主要因素。本文的研究重点放在了移动电子商务在商业银行金融服务创新中的应用上,本文所述的金融服务创新,主要是集中在技术创新层面中由于电信和网络通讯技术的发展而产生的新兴的金融服务模式与交易模式。本文在明确了相关概念和理论的基础上,对于移动电子商务和移动金融服务的国内外发展现状作了简要的分析。在确定了两者之间相互影响的关系之后,就我国的具体国情提出了具体可行的移动电子商务在商业银行金融服务创新发展方案,将移动电子商务中商业银行金融服务的具体方式按功能划分类别,分别进行了深入研究。最后,又对商业银行金融服务在移动电子商务中的发展所面临的障碍和问题进行了分析和总结。
[Abstract]:In recent years, modern mobile communication technology has developed rapidly, and the development speed of the whole communication industry is changing with each passing day. Under its influence, the mobile e-commerce market is gradually established and has a great prospect. Mobile applications have unparalleled advantages, such as the wide coverage and strong convenience, and so on. Because of this, mobile e-commerce has become the most important part of the e-business model. From the evolution of the world's financial development, financial innovation runs through all the time. Financial innovation is conducive to the development of the world financial industry, and it is directly related to the speed of the economic level, so it is to the global economy. The impact of the United States subprime crisis is the fuse of the financial crisis, but in essence, the outbreak of the financial crisis is in the process of financial derivatives innovation, due to the excessive use of financial leverage and the impact on the whole financial market, so that the global real economy is damaged in varying degrees. Therefore, financial innovation is a double-edged sword. On the one hand, it can promote financial development and improve the economic level, but on the other hand, it expands the financial risk. Both the financial institutions and the real economy will increase the risks. The financial innovation makes the products in the financial market more diversified and powerfully promote the economic development. But it also makes the financial market more difficult to supervise and bring unprecedented challenges to the financial system and even the whole economic field. If financial products do not match the real economy, too much innovation, financial risks will emerge. After the emergence of financial risks, the adverse consequences of leverage will be caused by the great impact. The shape of the geometric series is rapidly expanded, the entire banking system will suffer huge losses, and it will also have an impact on the enterprises in other fields and even the financial crisis.
Although financial innovation may lead to financial risks, financial innovation can not be terminated, because the future direction of the global economic development is economic globalization, and the driving force for economic globalization is financial internationalization. After China becomes a member of the WTO, domestic banking sector is in line with the international community and is accepted. At present, foreign banks are pouring into our country and set up branches in our country, hoping to get a cup of soup in China's financial field, which leads to an unprecedented challenge to domestic banks in China. Under this condition, domestic banks must speed up the creation of products. The new step is the only way to survive and develop.
Nowadays, the financial environment in our country has changed much more than before, and the types of financial products that the enterprises or consumers need are increasing and increasingly complex, which leads to the fact that the traditional financial products are not consistent with the actual needs. The more complex it is, the products that match the specific needs of the enterprises or consumers are more competitive. In a word, in the current fierce market competition, the domestic banks, in order to improve their position in the market, must speed up the innovation of products, especially the mobile e-commerce products.
Commercial banks are the main factors that constitute the domestic financial system in China. The focus of this paper is on the application of mobile e-commerce to the innovation of commercial banks' financial services. The financial service innovation described in this paper is mainly focused on the new gold produced by the development of telecommunications and network communication technology at the level of technological innovation. Integrated service model and transaction mode.
On the basis of clarified relevant concepts and theories, this paper makes a brief analysis of the domestic and foreign development status of mobile e-commerce and mobile financial services at home and abroad. After determining the relationship between the two, this paper puts forward specific and feasible mobile e-commerce in the financial services of commercial banks in the specific national conditions of China. In the end, the paper analyzes and summarizes the obstacles and problems facing the development of commercial bank financial services in mobile e-commerce.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F724.6;F832.33

【参考文献】