互联网金融冲击下商业银行转型研究

发布时间：2018-03-06 12:20

本文选题：互联网金融　切入点：商业银行　出处：《对外经济贸易大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着经济的发展,互联网成为市场中必不可少的工具,而金融行业中引入互联网技术,逐渐形成了互联网金融。这种新的金融模式成本低、效率高,而且涉及的领域非常广,高度开放的发展理念促进其发展壮大。互联网金融的兴起,改变了传统商业银行的发展模式,一定程度上对传统金融行业的发展造成了很大的冲击,削弱其中间作用。互联网金融利用自身独特的优势改变了金融市场的发展模式,特别是改变传统商业银行的运营模式。当前互联网金融正在逐渐兴起,传统的商业银行受到巨大的挑战,为了生存与发展,开始采取措施转变经营模式,比较成熟的有以下几种:(1)将传统的银行业务互联网化,拉近两者之间的距离;(2)积极的与互联网企业展开合作,形成优势互补;(3)银行构建属于自己的电子商务平台;(4)直销银行模式。此次研究中我们将重点关注上述讲述的几种银行模式,得到较为准确的结论,为经济的发展做出应有的贡献。此次研究中我们重点使用了案例分析法、比较分析法以及归纳分析法。利用案例分析法来讲述比较经典的几个案例,为以后的发展奠定基础。而归纳演绎法与比较分析法重点讲述的我国商业银行转型的发展现状与历程,把理论与实践有机的结合起来展开研究,得到互联网金融包围下的传统商业银行转型路径。此次研究中我们始终围绕传统银行的转型展开,满足社会的发展需求。整篇文章基于互联网金融大背景下展开,研究的重点为商业银行转型,采取最佳的措施来促进现代社会下银行业的发展。
[Abstract]:With the development of economy, the Internet has become an indispensable tool in the market, and the introduction of Internet technology in the financial industry has gradually formed Internet finance. This new financial model is low cost, high efficiency, and involves a wide range of fields. The rise of Internet finance has changed the development mode of the traditional commercial banks, and to some extent has caused a great impact on the development of the traditional financial industry. Internet finance has made use of its unique advantages to change the development mode of financial markets, especially the operation mode of traditional commercial banks. At present, Internet finance is gradually rising. In order to survive and develop, the traditional commercial banks have been faced with enormous challenges. In order to survive and develop, they have begun to take measures to change their business models. The more mature ones are as follows: (1) turn the traditional banking business into Internet. To close the gap between the two to actively cooperate with Internet enterprises, We will focus on the several banking models described above and get more accurate conclusions in this study. We have made due contribution to the development of economy. In this study, we have used the case analysis method, the comparative analysis method and the inductive analysis method. We use the case analysis method to tell the classic several cases. To lay a foundation for the future development. And inductive deductive method and comparative analysis focus on the development of the status quo and process of the transformation of commercial banks in China, combining theory and practice organically to carry out the research. The transformation path of traditional commercial banks under the encirclement of Internet finance. In this study, we always focus on the transformation of traditional banks to meet the development needs of society. The whole article is based on the background of Internet finance. The research focuses on the transformation of commercial banks and takes the best measures to promote the development of banking in modern society.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.33

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