互联网金融对中小农村金融机构的影响研究

发布时间：2018-06-12 04:03

  本文选题：中小农村金融机构 + 互联网金融　； 参考：《上海交通大学》2015年硕士论文

【摘要】：我国互联网金融正处于高速蓬勃发展时期,其发展形式日新月异,从网上银行到第三方平台,从电脑支付到手机支付,互联网金融的出现,在方便人们日常生活的同时也是对传统金融领域的拓展。中小农村金融机构具有客户群年龄偏大、知识层次较低、对电子渠道依赖度低、对互联网知识了解较少的“特殊优势”,然而这也只能是暂时延缓而无法长远阻碍互联网金融对其产生冲击和影响。金融脱媒正在普及,中小农村金融机构必须遵循互联网时代的游戏规则,要在新的行业分工、要素分配过程中提升自身实力,获得生存发展。为此,本文试图在阐述我国互联网金融的发展及对中小农村金融机构影响的基础上,通过对互联网金融发展状况、运营模式等方面进行深入分析,并结合中小农村金融机构的发展现状,提出中小农村金融机构在互联网金融背景下的应对及发展策略。本文以互联网金融为研究对象,围绕互联网金融对中小农村金融机构的影响这一主题,本文安排了六个部分展开论述和分析：第一部分是导论,主要介绍本文选题背景与研究意义、研究问题与主要内容以及研究方法与技术路线的介绍,并给出了论文可能的创新与不足,明确了本文研究的价值所在。第二部分是文献回顾,通过对国内外已有文献中相关理论范畴的梳理与总结,廓清互联网金融的内涵与外延,在此基础上确立本文的研究视角。第三部分为互联网金融的基础理论,在模型构建部分主要探讨互联网金融的主要运营模式。第四部分为信息通讯技术、金融包容与经济增长的实证研究,本文选取现代通讯技术中最为典型的互联网、固定电话、移动电话等数据指标,解释和说明现实经济现象,对统计数据的深入分析是本章研究的重点。第五部分是互联网金融对中小农村金融机构的影响。第六部分是结论与政策建议,在实证研究的基础上得出结论并提出中小农村金融机构发展的政策建议。
[Abstract]:China's Internet finance is in a period of rapid and vigorous development, its development forms are changing with each passing day, from online banking to third-party platforms, from computer payments to mobile phone payments, the emergence of Internet finance. At the same time, it is the expansion of traditional financial field. Small and medium-sized rural financial institutions have "special advantages", such as older customers, lower levels of knowledge, lower dependence on electronic channels, and less knowledge of the Internet. However, this can only be a temporary delay and not a long-term obstacle to the impact of Internet finance and its impact. Financial disintermediation is being popularized, small and medium-sized rural financial institutions must follow the rules of the game in the Internet era, in the new industry division of labor, factor distribution process to enhance their own strength, to obtain survival and development. Therefore, on the basis of expounding the development of Internet finance in our country and its influence on small and medium-sized rural financial institutions, this paper tries to make a deep analysis of the development of Internet finance, the operation mode and so on. Combined with the development of small and medium-sized rural financial institutions, this paper puts forward the countermeasures and development strategies of small and medium-sized rural financial institutions under the background of Internet finance. This article takes the Internet finance as the research object, revolves around the Internet finance to the small and medium-sized rural financial institution influence this one theme, this article has arranged six parts to launch the elaboration and the analysis: the first part is the introduction, This paper mainly introduces the background and significance of this paper, the research problems and main contents, the research methods and technical route, and gives the possible innovation and deficiency of the paper, and clarifies the value of this study. The second part is literature review, through combing and summing up the relevant theoretical categories in the domestic and foreign literature, the connotation and extension of Internet finance are clarified, and on this basis, the research angle of this paper is established. The third part is the basic theory of Internet finance. The fourth part is the empirical study of information and communication technology, financial inclusion and economic growth. This paper selects the most typical data indicators of modern communication technology, such as Internet, fixed telephone, mobile phone, to explain and explain the real economic phenomenon. The in-depth analysis of statistical data is the focus of this chapter. The fifth part is the impact of Internet finance on small and medium rural financial institutions. The sixth part is the conclusions and policy recommendations. Based on the empirical research, the conclusion is drawn and the policy recommendations for the development of small and medium-sized rural financial institutions are put forward.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35;F724.6
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本文编号：2008244