互联网金融对传统商业银行的影响研究

发布时间：2018-06-19 14:14

本文选题：互联网金融 + 商业银行　；参考：《江西师范大学》2017年硕士论文

【摘要】：随着互联网相关的信息技术在国内的快速发展,互联网金融在中国呈现出蓬勃发展的态势。以支付宝、余额宝为代表的互联网金融产品方便人们生活的同时,改变了人们的消费行为和生活习惯,也给商业银行的传统业务带来了冲击,使得传统商业银行仅仅依靠吸收存款和发放贷款来赚取利息差的手段变得艰难。互联网金融拥有自己独特的技术及用户基数的优势,在金融市场的占有份额逐渐扩大,随着技术的逐渐成熟,用户基数的不断增加,互联网金融的发展对商业银行产生了巨大的影响和冲击。互联网企业充分运用大数据时代的资源整合,了解并掌握了用户群体对金融服务的需求和偏好,为其提供准确直接的金融服务,服务内容范围也逐渐开展,由最初简单的网上支付到理财、贷款、保险、基金、转账等商业银行的业务服务领域,通过互联网为客户提供服务平台,具有操作便捷、交易成本低的特点,与商业银行的业务范围出现了大面积重叠。商业银行作为传统金融行业领头羊的位置受到了威胁,发展局面不容乐观。本文根据互联网金融及其服务范围的特点,建立SWOT模型,分析传统商业银行在当前形势下所面临的威胁和挑战,并结合商业银行目前的发展状况和优势,提出具有建设性的意见,将这种影响和冲击转化为向前发展的推动力,探索与互联网金融共生竞争合作,谋求与互联网金融互利共赢。
[Abstract]:With the rapid development of Internet related information technology in China, Internet finance is developing vigorously in China. While the Internet financial products represented by Alipay and Yu'e Bao are convenient for people to live, they have changed people's consumption behavior and living habits, and have also brought about an impact on the traditional business of commercial banks. It is difficult for traditional commercial banks to rely only on deposits and loans to earn bad interest. Internet finance has its own unique technology and advantages of the user base, and its share in the financial market has gradually expanded. With the technology gradually maturing, the user base is increasing. The development of Internet finance has a huge impact on commercial banks. Internet enterprises make full use of the integration of resources in the era of big data, understand and master the needs and preferences of user groups for financial services, and provide them with accurate and direct financial services. From the initial simple online payment to financial management, loans, insurance, funds, transfer and other business services of commercial banks, through the Internet to provide service platform for customers, with easy operation, low transaction costs, There is a large overlap with the scope of business of commercial banks. The position of commercial banks as the leader of traditional financial industry has been threatened, and the development situation is not optimistic. According to the characteristics of Internet finance and its service scope, this paper establishes SWOT model, analyzes the threats and challenges faced by traditional commercial banks under the current situation, and combines the current development situation and advantages of commercial banks. Constructive suggestions are put forward to transform this kind of influence and impact into the driving force of forward development, to explore the cooperation with Internet finance symbiotic competition, and to seek mutual benefit and win-win with Internet finance.
【学位授予单位】：江西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33

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