互联网金融冲击下传统金融业发展对策研究

发布时间：2018-06-24 23:57

本文选题：互联网金融 + 传统金融　；参考：《哈尔滨工业大学》2015年硕士论文

【摘要】：随着网络信息技术的日新月异,互联网产业快速的渗入到人们的日常生活中,依托于网络技术的互联网金融的发展更是方兴未艾。互联网金融对提高金融业的融资效率、降低融资成本,促进实体经济增长,改变传统金融“脱实向虚”倾向及解决中小企业融资的难题等有着重要的意义。今年两会期间提出的“互联网+”行动计划,更使得各行各业纷纷寻求与互联网企业合作的可能,进一步推动了互联网金融的发展。而互联网金融的日渐成熟,又为传统金融业带来了一定的影响和冲击,倒逼其改革与转型。互联网金融对传统金融业的冲击主要体现在使商业银资产业务的存款率降低、负债业务中融资业务受挤压及中间业务的收入被分流等,也体现在对证券经纪业务的营销渠道、差异化及整个行业的佣金率水平产生巨大的影响,还体现在一定程度上对信托及保险业产生了冲击。基于上述分析基础上,采用理论分析和案例相结合的研究方法对互联网金融冲击下传统金融业的发展对策进行了研究。并针对互联网金融对不同业务所产生的不同影响,分别给出银行、证券、信托基金及保险业的未来发展对策与建议。互联网金融虽然为传统金融业带来一定的冲击和挑战,但尚不足以撼动传统金融的地位。传统金融应借鉴互联网金融的思维模式,从战略调整、经营方式,业务创新及风险防范等方面入手积极寻求与互联网企业合作的可能,以以促进金融业的变革与转型。
[Abstract]:With the rapid development of network information technology, Internet industry is rapidly infiltrating into people's daily life, and the development of Internet finance based on network technology is in the ascendant. Internet finance plays an important role in improving finance efficiency, reducing financing cost, promoting real economy growth, changing the tendency of traditional finance to be "detrusive to virtual" and solving the problem of financing for small and medium-sized enterprises. The "Internet" action plan put forward during the two sessions this year has made all walks of life look for the possibility of cooperation with Internet enterprises one after another, further promoting the development of Internet finance. With the maturity of Internet finance, it has brought some influence and impact to the traditional financial industry and forced its reform and transformation. The impact of Internet finance on the traditional financial industry is mainly reflected in the reduction of the deposit rate of commercial silver assets business, the compression of financing business in debt business, the diversion of income from intermediate business, and the marketing channels for securities brokerage business. Differentiation and the level of commission rate have a great impact on the trust and insurance industry. Based on the above analysis, this paper studies the development countermeasures of traditional financial industry under the impact of Internet finance by using the method of theoretical analysis and case study. According to the different influence of Internet finance on different business, the paper gives the countermeasures and suggestions for the future development of bank, securities, trust fund and insurance industry. Although Internet finance brings certain impact and challenge to traditional finance, it is not enough to shake the position of traditional finance. Traditional finance should learn from the thinking mode of Internet finance and actively seek the possibility of cooperation with Internet enterprises from the aspects of strategic adjustment, management mode, business innovation and risk prevention, in order to promote the reform and transformation of financial industry.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832

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