互联网金融对传统商业银行的挑战与机遇分析

发布时间：2018-01-14 23:10

本文关键词：互联网金融对传统商业银行的挑战与机遇分析　出处：《对外经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文采用了文献研究、数据分析和分类分析方法,通过阅读大量国内外文献,初步了解西方金融的创新理论,概括国外互联网金融的发展状况,并通过相关的图表数据分析我国互联网金融发展的现状,归纳互联网金融对商业银行主要几种业务的冲击并分析了原因,并且在此基础上分析了我国商业银行自有的优势,给商业银行在如何应对互联网金融冲击的问题上提出建议和措施。现有的研究表明,国内学者对我国互联网金融概念的界定还没有统一的概念,并且通过分析不同的业务模式下我国互联网金融与传统商业银行之间的竞争形势,从而得出相应的应对策略的文献也非常之少,大多数研究都只是从互联网金融和传统商业银行比较宏观的优劣势层面分析。本文在梳理互联网金融的定义的基础上,通过分析不同的互联网金融业务模式,对当前互联网金融与传统商业银行的竞争形势,以及商业银行的应对方法进行了更为全面的分析。国内学者在互联网金融对商业银行的影响分析上,大部分集中在定性分析层面,尚没有对其量化分析的研究资料。本文从商业银行财务报表相关项目入手进行了量化分析,在互联网金融对商业银行的盈利能力及盈利状况的影响方面进行了更加细节化的研究。从商业银行的利润角度分析:在利润项上,第三方支付通过对商业银行的手续费及佣金收入的影响,影响商业银行营业收入从而影响其盈利状况,余额宝类产品的出现也一定程度上分流了银行的理财资金,从而使银行的理财业务收入降低。造成这些不利因素的原由有四点:行业环境的制约,盈利结构不合理,中间业务品种对比国外较少,资金运用不合理。商业银行需要充分认识到互联网金融带来的冲击和挑战,学习互联网企业的思维方式和理念,重视信息整合,重视客户体验,在组织结构、业务模式和服务方式上进行改进以适应新的内外部环境。商业银行的优势在于品牌信用、风险管理以及资本实力,商业银行与互联网金融不只是单纯的竞争关系,两者可在融资业务、销售渠道等方面展开深入的合作,通过优势互补和资源共享来实现双赢的可持续发展。
[Abstract]:This paper adopts the method of literature research, data analysis and classification analysis, through reading a lot of literatures, a preliminary understanding of the western financial innovation theory, summarizes the Internet financial development, and through the data related to analysis the current situation of China's Internet financial development, summed up the financial impact of the Internet on commercial banks and analysis of several main business the reasons, and based on the analysis of the advantages of China's commercial banks owned commercial banks, to put forward some suggestions and measures on how to deal with the financial impact of the Internet on the issue. The existing research shows that domestic scholars to define the concept of Internet Banking in China is still not a unified concept, and the competition between China's Internet Finance and the traditional commercial banks through the analysis of different business models, and obtains the corresponding strategies of literature are very few, large Most of the studies are from the Internet Finance and traditional commercial banks to compare the advantages and disadvantages of macro level analysis. Based on the definition of combing the Internet financial, through the analysis of different Internet banking business model, the current Internet banking and traditional commercial bank competition situation, and the response of commercial banks were more comprehensive analysis of domestic scholars in the analysis of Internet financial impact on commercial banks, mostly concentrated in the qualitative analysis, there is no research on the quantitative data analysis. This paper starts from the related projects of commercial bank financial statements is analyzed quantitatively, based on more details on the Internet financial impact on the profitability and profit the situation of commercial bank. From the analysis of the profits of commercial banks: in profit item, the third party payment by the commercial bank's hand Effect of renewals and commission income, influence of commercial banks operating income thus affecting its profitability, the balance appears treasure products but also to some extent, the diversion of bank financing funds, so that the bank financial services revenue decreased. The causes of these unfavorable factors have four points: restricting the industry environment, the profit structure is not reasonable. Intermediate business varieties compared less, unreasonable use of funds. The commercial banks need to fully recognize the financial impact of the Internet and the challenges of Internet companies to learn the way of thinking and philosophy, the importance of information integration, pay attention to customer experience, in the organizational structure, business model and service mode is improved to adapt to the new environment. The commercial bank has the advantage of brand credit, risk management and capital strength, commercial banking and Internet banking is not only the competition between the two can be in harmony In order to achieve a win-win and sustainable development through mutual complementarity and sharing of resources, we have carried out deep cooperation in the aspects of investment, sales channels and so on.

【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.33

【参考文献】