互联网金融背景下YC农商银行经营模式优化研究

发布时间：2018-05-21 11:36

本文选题：互联网金融 + YC农商银行　；参考：《广东财经大学》2017年硕士论文

【摘要】：随着经济全球化的到来,我国金融业已经全面进入了互联网发展的新时期,在这一时期,互联网用户规模呈现出快速增长的趋势,人们的消费习惯已经逐渐向网络消费发展,这些都为互联网金融的发展创造了有力的外部条件,也给银行传统业务的发展带来了较大的冲击。2015年我国银行将互联网金融写入了国家的银行报告中,这也说明国家对互联网金融的重视程度逐渐增加。我国互联网金融与西方发达国家相比起步较晚,对于互联网金融的探索和运用也正处于迅速发展的阶段,互联网金融业务暂时还依靠传统的渠道进行拓展,相互之间缺乏必要的沟通和联系,这对我国互联网金融背景下的银行的生存和发展带来了很多不利的影响。同时,随着我国对外开放的进一步深入,外资银行开始逐渐渗透到我国的金融领域,它们依靠在互联网金融上的成熟技术和发展优势,迅速抢占我国银行金融市场,对我国本土银行的生存和发展带来严重影响。我国银行业想要在激烈的市场竞争中存在和发展下来,就必须要有紧迫感和危机意识,不断加快金融体制改革,全面推进银行金融的电子化和信息化发展。可以说,互联网金融既是对我国银行业的挑战,也是我国银行业发展的动力,只有充分利用互联网,以此发展我国的银行产业,才能促进银行业的健康、稳定发展。本文正是基于此,以互联网金融背景下的农村商业银行经营模式作为研究对象,采用案例研究的方法,通过对YC农商银行互联网金融背景下银行发展的现状进行分析,结合SWOT分析的基本方法,指出银行当前在互联网金融背景下经营发展存在的问题,并在充分借鉴国外发达国家先进经验和做法的基础上,提出相应的优化策略。从本文的研究看,本文的研究内容主要包括以下几部分:第一部分为绪论,提出本文的研究背景、研究意义、研究内容和研究方法,并对当前国内外的研究现状进行全面梳理;第二部分为理论概述,本部分重点对互联网金融基本理论和概念进行了论述,在此基础上对互联网金融的特征、发展趋势以及互联网金融与商业银行传统经营模式进行了比较分析;第三部分为案例分析,首先对YC农商银行进行了介绍,并从支付、理财和融资三个方面对YC农商银行的互联网金融经营模式情况进行分析;第四部分采用SWOT分析的方法,对YC农商银行从银行内部和外部环境两个方面对当前银行的优势、劣势以及机会和威胁进行全面的分析,同时本部分还重点从地方经济生态环境角度对银行产品进行分析;第五部分则是在前面部分分析的基础上,对联网金融背景下YC农商银行经营模式优化进行构建,本部分首先介绍了银行经营模式优化的目标和原则,在此基础上指出从银行经营理念、经营模式、产品及业务增长模式、服务模式、营销模式、服务理念以及风险管理七个方面进行优化;第六部分为保障性措施,为了保证银行经营模式优化的顺利推行,本文指出要从增强管理层的重视程度、构建基于大数据技术的服务体系、建立有效的互联网金融管理体系和机制以及加强复合型人才的培养等四方面进行;第七部分为结论,指出本文的研究结论,并针对研究不足提出后续的研究方向。
[Abstract]:With the advent of economic globalization, China's financial industry has fully entered the new era of Internet development. In this period, the Internet user scale has shown a rapid growth trend, and people's consumption habits have gradually developed into the network consumption. These have created strong external conditions for the development of Internet finance, and also to the banks. The development of traditional business has brought a big impact to the.2015 year. Our bank wrote the Internet finance into the National Bank report. This also indicates that the state has gradually increased its importance to Internet finance. China's Internet finance is relatively late in comparison with developed countries in the west, and the exploration and application of interconnected finance is also being rapidly being used. At the stage of development, the Internet financial business is still dependent on the traditional channels for the temporary expansion and lack of communication and connection between each other. This has brought many adverse effects on the survival and development of the banks under the background of Internet Finance in China. At the same time, with the further deepening of China's opening and opening, foreign banks began to penetrate gradually. In the financial field of our country, they rely on the mature technology and development advantage of Internet finance, quickly seize the financial market of China's banks, and have a serious impact on the survival and development of local banks in our country. It can be said that Internet finance is not only a challenge to our banking industry, but also the motive force of the development of our banking industry. Only by making full use of the Internet to develop our banking industry, can the banking industry be healthy and stable. Based on this, taking the management mode of rural commercial banks as the research object under the Internet financial background, this paper analyzes the current situation of bank development under the Internet financial background of YC agro commercial bank, and points out the problems existing in the bank's operation and development under the Internet financial background by using the method of case study. On the basis of the advanced experience and practice of foreign developed countries, the paper puts forward the corresponding optimization strategies. From the study of this paper, the main contents of this paper include the following parts: the first part is the introduction, the research background, the significance, the content and methods of the research, and the current research at home and abroad. The second part is an overview of the theory. This part focuses on the basic theory and concept of Internet finance. On this basis, the characteristics of Internet finance, the trend of development and the traditional business model of Internet Finance and commercial banks are compared and analyzed. The third part is the case analysis, first of the YC agricultural merchant silver. The line is introduced, and the Internet financial management mode of YC agricultural commercial bank is analyzed from three aspects of payment, financing and financing. The fourth part uses the method of SWOT analysis to analyze the advantages, disadvantages, opportunities and threats of the current bank from two aspects of the bank's internal and external environment. This part also focuses on the analysis of bank products from the point of view of local economic and ecological environment. The fifth part is based on the analysis of the previous part, and constructs the optimization of the business model of YC agricultural and Commercial Bank under the financial background of the network. This part first introduces the objectives and principles of the optimization of the bank management model. The management concept, business model, product and business growth mode, service mode, marketing mode, service concept and risk management are optimized in seven aspects. The sixth part is the guarantee measures. In order to ensure the smooth implementation of the optimization of the bank management model, this paper points out that the importance of strengthening the management level and the construction of large data technology based on large data technology are proposed. The service system, the establishment of effective Internet financial management system and mechanism and the strengthening of the training of complex talents, and so on four aspects. The seventh part is the conclusion, points out the conclusions of this paper, and puts forward the following research direction in view of the lack of research.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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