互联网金融背景下商业银行发展研究

发布时间：2018-03-31 01:17

本文选题：互联网　切入点：金融　出处：《西北农林科技大学》2014年硕士论文

【摘要】：比尔盖茨曾经说过：“21世纪传统的商业银行是一群灭绝的恐龙”。中国平安保险公司的董事长马明哲则在2013年致辞中提出：“平安金融银行在未来3年内，最大的竞争对手不是商业银行等传统金融企业，而是腾讯、阿里巴巴等互联网科技企业。”的确，，互联网金融自其产生的那一刻就对传统的商业银行产生了较大的影响，并且随着时间的推移，客户的增多，逐渐威胁到了商业银行的未来发展。随着电子商务模式在世界范围内的大肆扩张，互联网企业在发展过程中掌握了大量的用户信息，并根据用户的金融偏好、需求，为其提供相应的金融服务。服务模式也从最简单的资金支付逐渐开展为资金管理、转账汇款、基金代销、现金管理、保险代理、小额贷款、供应链金融等商业银行涉及的业务领域。在互联网金融逐渐影响着商业银行的同时，互联网金融公司通过互联网平台为客户提供专业的金融业服务，这也意味着金融业与互联网业之间产生了业务重叠，商业银行在互联网金融时代发展中面临着强大的威胁。互联网金融服务在未来的发展中具备较为广阔的空间，其原因在于其便捷性、引致性与大众性，可以令客户在网络进行业务办理，这种便捷化的操作模式将会对商业银行传统信贷模式产生颠覆性的影响。因此，本文结合互联网金融的特点，通过STOW模式分析，剖析商业银行在互联网金融时代发展需要面临的威胁与挑战，揭示了其中存在的主要问题并对商业银行的未来发展提出相应的简易模式。互联网金融的发展，既取决于外部市场环境的变化，也受制于科技创新的发展，商业银行应与互联网金融企业开展全面合作，在加强监管与行业自律的前提下，尽快适应新时代互联网金融业务的发展趋势，以便更好的应对互联网金融对传统商业银行的冲击，变危险为机遇，化风险为创新，以此为契机，发展和壮大商业银行的自身实力。
[Abstract]:Bill Gates once said: "the traditional 21 st century commercial bank is a group of extinct dinosaurs."Ma Mingzhe, chairman of China Ping an Insurance Company, said in his speech in 2013: "Ping an Financial Bank will not be a traditional financial enterprise, such as a commercial bank, but Tencent in the next three years.Alibaba and other Internet technology enterprises. "Indeed, Internet finance has had a great impact on the traditional commercial banks since the moment it came into being, and with the passage of time, the number of customers has gradually threatened the future development of commercial banks.With the expansion of e-commerce model in the world, Internet enterprises have grasped a large amount of user information in the process of development, and provide corresponding financial services according to the financial preferences and needs of users.The service mode also gradually develops from the simplest fund payment to the business field of commercial bank such as fund management, transfer remittance, fund agent, cash management, insurance agent, micro-loan, supply chain finance and so on.While Internet finance is gradually affecting commercial banks, Internet financial companies provide professional financial services to customers through Internet platforms, which also means that there is a business overlap between the financial industry and the Internet industry.Commercial banks are facing a strong threat in the development of Internet finance era.Internet financial services in the future development has a relatively broad space, the reason is that its convenience, induced and popular, can enable customers to conduct business in the network,This convenient mode of operation will have a subversive effect on the traditional credit model of commercial banks.Therefore, according to the characteristics of Internet finance and the analysis of STOW model, this paper analyzes the threats and challenges that commercial banks need to face in the development of Internet finance era.This paper reveals the main problems and puts forward some simple models for the future development of commercial banks.The development of Internet finance depends not only on the change of external market environment, but also on the development of science and technology innovation.To adapt to the development trend of Internet finance business in the new era as soon as possible, in order to better deal with the impact of Internet finance on traditional commercial banks, to turn danger into opportunity, to turn risk into innovation, and to take this as an opportunity.Develop and strengthen the commercial bank's own strength.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【参考文献】