吉林双阳农村商业银行互联网金融业务发展策略研究

发布时间：2018-04-23 21:34

本文选题：互联网金融 + 商业银行　；参考：《吉林大学》2015年硕士论文

【摘要】：互联网使人与人之间的交往变得便利,其“开放、平等、协作、分享”的精神内核更是影响着互联网用户生活习惯。2013年,余额宝的爆发被称为中国互联网金融的元年,至今,传统金融业务互联网化和互联网商业模式所衍生出的金融模式在飞速演进、融合,互联网金融正在深刻地影响着中国未来金融的发展。今天,对互联网金融模式的思考停留在理论层面已然不够,其对于传统金融秩序的冲击正在现实发生,叠加中国金融体制改革的深入,商业银行的生存和发展面对诸多挑战,纷纷由被动观望转向积极应对,提升传统金融业务的线上化率,自建或合建电商平台,整合新生互联网金融业态。互联网企业面对通过互联网平台向金融业态渗透和巨大获利机会,面对传统商业银行的“反击”,也正积极思考如何巩固和发展自己的金融事业版图。在中国商业银行体系中,有全国布局、实力雄厚的国有大中型银行、股份制商业银行,也有区域化经营、实力偏弱的小型股份制商业银行、外资银行。吉林双阳农村商业银行由农信社改制而来,属于小型区域化商业银行,在互联网金融冲击和政策红利消失等因素影响下,其生存和发展的空间受到严重挤压,亟待转型发展。互联网金融业务对小型商业银行来说,既是挑战,更是机遇。双阳农商银行应认清自身实际,直面挑战,抓住机遇,走一条适合的互联网金融发展业务之路,回归普惠金融本质,找到新的利润空间。
[Abstract]:The Internet makes communication between people more convenient, and its spiritual core of "openness, equality, cooperation and sharing" has even affected the life habits of Internet users. In 2013, the outbreak of Yu'e Bao was called the first year of Internet finance in China. The traditional financial business and the financial model derived from the Internet business model are evolving rapidly. Internet finance is deeply affecting the development of China's future finance. Today, it is not enough to think about the Internet financial model at the theoretical level. Its impact on the traditional financial order is taking place in reality. With the deepening of the reform of China's financial system, the survival and development of commercial banks are facing many challenges. One after another, the passive wait-and-see turn to positive response, improve the online rate of traditional financial business, build their own or co-build e-commerce platform, and integrate the new Internet financial format. Internet enterprises are actively considering how to consolidate and develop their financial business territory in the face of the infiltration and huge profit opportunities of the financial industry through the Internet platform and the "counterattack" of the traditional commercial banks. In China's commercial banking system, there are large and medium-sized state-owned banks with strong national distribution, joint-stock commercial banks, small joint-stock commercial banks with regional management and weak strength, and foreign banks. Jilin Shuangyang Rural Commercial Bank is a small regional commercial bank, which is reformed from the Rural Credit Cooperative. Under the influence of Internet financial shock and the disappearance of policy dividend, the space for survival and development has been seriously squeezed, and it needs to be transformed and developed. Internet financial business for small commercial banks, is not only a challenge, but also an opportunity. The Agricultural and Commercial Bank of Shuangyang should recognize its own reality, face up to the challenge, seize the opportunity, take a suitable way for the development of Internet finance, return to the essence of inclusive finance, and find a new profit space.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

【相似文献】