新形势下我国商业银行发展在线融资业务研究

发布时间：2018-05-16 03:32

本文选题：在线融资 + 商业银行　；参考：《天津大学》2015年硕士论文

【摘要】：随着全世界范围内互联网金融的高速发展,第三方支付和网络融资业务先后应运而生,为人们带来了便捷快速的支付方式,也使融资方案更加丰富和高效,给人们的日常生活和事业发展提供了便利、带来了活力,同时也推动了整体金融业乃至全球经济的发展。在我国,中小微型企业融资难一直是困扰经济健康和谐发展的一道难题,民间金融的多元化在一定程度上缓解了中小企业融资的需求,但是私人借贷、民间集资、小额贷款公司等融资形式的“影子银行”缺乏监管、信用风险极大,致使资金流向不能得到保证,且多出现借贷危机乃至崩盘等恶性事件,对我国经济有序发展造成不良影响。因此,发展在线融资业务成为一种新的选择,近年来我国的在线融资业务发展迅猛,例如电子商务发展而来的阿里小贷、致力于一站式中介服务的拍拍贷等,解决了部分中小微型企业融资难的问题,但是有些在线融资平台因缺乏有效合理的监管等问题最终走向了关闭的结局。在这种背景下我国商业银行发展在线融资业务可以减少缺乏监管的弊端,充分发挥其贷款规模大、融资成本低等优势,为我国中小微型企业融资和发展带来帮助,同时调整银行自身战略决策、形成新的盈利增长点。本文将通过介绍国内外商业银行在线融资业务发展的情况,分析我国商业银行发展在线融资业务的必然性、可行性和限制因素,分析发展在线融资业务对商业银行产生的影响,分类型提出适合商业银行发展此类业务的流程模式,最后分析商业银行将面临的风险,并通过博弈论模型对在线融资业务的风险防控进行了分析讨论。
[Abstract]:With the rapid development of Internet finance all over the world, third-party payment and network financing have emerged as the times require, which brings people a convenient and fast payment method, and also makes the financing scheme richer and more efficient. It not only provides convenience and vitality for people's daily life and career development, but also promotes the development of the whole financial industry and even the global economy. In China, the difficulty of financing small and medium-sized microenterprises has always been a difficult problem for the healthy and harmonious development of the economy. To some extent, the diversification of private finance has alleviated the demand for financing of small and medium-sized enterprises, but private loans and private fund-raising, The lack of supervision and credit risk of "shadow bank" in the form of financing such as micro-loan company can not guarantee the flow of funds, and there are many vicious events such as loan crisis or even collapse, which has a bad effect on the orderly development of our economy. Therefore, the development of online financing business has become a new choice. In recent years, China's online financing business has developed rapidly, such as Ali small loan, dedicated to one-stop intermediary services, PPDAI, etc. It solves the problem of financing of some small and medium enterprises, but some online financing platforms are finally closed due to the lack of effective and reasonable supervision. In this context, the development of online financing business of commercial banks in our country can reduce the disadvantages of lack of supervision, give full play to the advantages of large loan scale and low financing cost, and help the financing and development of small and medium-sized enterprises in China. At the same time, adjust the bank's own strategic decision to form a new profit growth point. This paper will introduce the development of online financing business of commercial banks at home and abroad, analyze the inevitability, feasibility and limiting factors of the development of online financing business of commercial banks in China, and analyze the influence of the development of online financing business on commercial banks. This paper puts forward a process model suitable for commercial banks to develop this kind of business, and finally analyzes the risks that commercial banks will face, and analyzes and discusses the risk prevention and control of online financing business through the game theory model.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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