互联网金融背景下哈尔滨银行经营的改进策略

发布时间：2018-06-18 23:32

本文选题：互联网金融 + 产品创新　；参考：《哈尔滨工业大学》2016年硕士论文

【摘要】：互联网金融是互联网技术在金融业务经营中的充分运用,可以说是对金融行为的互联网化,随着互联网技术在金融领域的应用和发展,传统的金融服务方式和经营模式受到严峻的挑战,同时对整个传统金融业态、市场环境、经营架构、经营方式等方面均产生较大的影响。互联网的发展,迫使传统银行在自身的经营现状下,积极调整发展战略,推进改革创新,以适应市场的变化,提高自身核心竞争力。我国互联网金融的发展对传统银行的转型与改革的实践案例处于逐步完善阶段,且由于互联网金融的发展速度之快,迫使传统银行迅速做出反应,否则存在客户大量流失的风险。我国传统银行不应排斥互联网金融,而应与其携手,寻求合作,加快自身改革创新,加强大数据和信息技术的运用,减低金融服务成本,提升服务质量,以传统银行业的金融优势结合互联网技术提高综合竞争力,达到双赢的目的。本文通过对互联网金融的定义、主要模式以及国内外发展现状进行阐述分析的基础上,结合互联网金融与传统银行业的优劣势对比,分析了互联网金融对传统银行业负债端、资产段以及中间业务收入方面的影响。基于互联网金融对传统银行业的影响,结合哈尔滨银行的经营现状,本文详细分析了互联网金融对哈尔滨银行收入端、成本端、客户结构等方面产生的影响,指出其未形成7*24小时实时服务渠道、产品结构单一且创新速度、大数据运用能力薄弱、业务办理流程复杂、系统界面不友好、尚未构建综合一体化的金融服务平台、忽视长尾市场等问题。为此,本文结合同业经验以及互联网金融的发展特征,针对哈尔滨银行的实际情况,提出从建立并推广手机银行和微信银行、探索直销银行、构建社区金融模式、打通7*24小时的服务渠道、构建专业产品创新团队、建立全行级的产品评价体系、调整组织架构、关注长尾市场、加强大数据和信息技术的运用、开展产业链金融服务、寻求与第三方公司合作等方面入手,建立健全自身服务体系,完善业务架构,以期对哈尔滨银行应对互联网金融的转型之路上提供指导与借鉴。
[Abstract]:Internet finance is the full use of Internet technology in financial business operations, can be said to be the financial behavior of the Internet, with the application and development of Internet technology in the financial field, The traditional financial service mode and management mode are facing severe challenge, at the same time, it has a great influence on the whole traditional financial form, market environment, management structure, management mode and so on. With the development of Internet, traditional banks are forced to adjust their development strategy actively, promote reform and innovation in order to adapt to the changes of the market and improve their core competitiveness. The development of Internet finance in our country is at the stage of perfecting the practical cases of the transformation and reform of traditional banks, and because of the rapid development of Internet finance, the traditional banks are forced to react quickly. Otherwise, there is a risk of a large loss of customers. China's traditional banks should not reject Internet finance, but should cooperate with them to speed up their own reform and innovation, strengthen the use of big data and information technology, reduce the cost of financial services and improve service quality. The financial advantage of the traditional banking industry combined with Internet technology to improve the comprehensive competitiveness, to achieve the goal of win-win. Based on the analysis of the definition of Internet finance, the main models and the present situation of development at home and abroad, this paper analyzes the debt side of Internet finance to the traditional banking industry by comparing the advantages and disadvantages of Internet finance and traditional banking. The impact of the asset segment and the revenue from the intermediary business. Based on the influence of Internet finance on the traditional banking industry and the present situation of Harbin Bank, this paper analyzes in detail the impact of Internet finance on the revenue, cost and customer structure of Harbin Bank. It is pointed out that it has not formed 7 / 24 hours real time service channel, the product structure is single and innovative, the ability of big data is weak, the business process is complex, the system interface is not friendly, and the integrated financial service platform has not yet been constructed. Ignore long tail market and other problems. Therefore, according to the practical situation of Harbin Bank, this paper puts forward to establish and popularize mobile phone bank and WeChat Bank, explore direct selling bank, and construct community finance model, according to the experience of the same industry and the characteristics of the development of Internet finance. To open up the 24-hour service channels, to set up professional product innovation teams, to set up a whole bank level product evaluation system, to adjust the organizational structure, to pay attention to the long tail market, to strengthen the use of big data and information technology, and to develop financial services in the industrial chain. In order to provide guidance and reference for Harbin Bank to deal with the transformation of Internet finance, this paper tries to establish and perfect its own service system and business framework by cooperating with third party companies.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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