国有银行互联网基金销售模式研究

发布时间：2018-06-23 13:13

本文选题：国有银行 + 互联网　；参考：《天津大学》2016年硕士论文

【摘要】：伴随着电子商务蓬勃发展,以“金融线上化”为代表的互联网金融模式日益兴起,大有颠覆传统金融模式的趋势。在十八大提出要深化金融改革的迫切问题之时,透彻了分析在新金融模式下银行的转型与发展需要。在此大背景下,作为传统的国有银行,如何应对互联网金融变革浪潮所带来的挑战,需要深入思考研究。互联网金融是互联网和金融业碰撞后产生的一个新“产物”,国有银行互联网基金是由国有银行通过互联网渠道实现销售的各类型的投资基金。本文结合互联网金融及国有银行的现状,客观分析了在基金销售模式上互联网金融的威胁、监管和风险控制等方面的问题,揭示了互联网金融销售的实质。通过PEST模型和SWOT模型分析国有银行互联网基金销售的竞争环境。运用技术推进理论、财富增长理论、交易成本理论和优势匹配理论等理论知识,采用文献研究法、模型研究法和案例研究法等相关方法对国有银行互联网基金销售业务发展问题进行了系统研究。互联网金融的飞速发展,给国内金融业带来了巨大的冲击,但针对于国有银行金融发展模式也带来了一定的挑战和创新之风,从而推动了我国互联网金融业的发展。本文分析国有银行互联网基金销售模式带来的影响和挑战这一课题,这对推动我国金融业的快速发展具有重要的意义,也带动了其他金融创新方式蓬勃发展。作为新兴金融模式,互联网金融发展吸引了众多目光,影响了人的工作和生活,也对国有银行金融机构造成了一定的冲击和挑战。
[Abstract]:With the vigorous development of electronic commerce, the Internet financial model represented by "financial line" is rising day by day, which has a tendency to subvert the traditional financial model. At the time of the exigent problem of deepening the financial reform put forward by the 18th CPC National Congress, the paper thoroughly analyzes the needs of the bank's transformation and development under the new financial model. In this context, as a traditional state-owned bank, how to deal with the challenges brought by the wave of Internet financial reform needs to be deeply studied. Internet finance is a new "product" after the collision between Internet and financial industry. Internet funds of state-owned banks are all kinds of investment funds sold by state-owned banks through Internet channels. Combined with the current situation of Internet finance and state-owned banks, this paper objectively analyzes the threats, supervision and risk control of Internet finance in the mode of fund sales, and reveals the essence of Internet financial sales. Through pest model and SWOT model, the paper analyzes the competitive environment of internet fund sales in state-owned banks. Using the theories of technological advancement theory, wealth growth theory, transaction cost theory and advantage matching theory, the literature research method is adopted. The development of internet fund sales business of state-owned banks is systematically studied by model research method and case study method. The rapid development of Internet finance has brought great impact to the domestic financial industry, but it has also brought some challenges and innovation to the financial development model of state-owned banks, thus promoting the development of China's Internet financial industry. This paper analyzes the impact and challenge of Internet fund sales model of state-owned banks, which is of great significance to promote the rapid development of China's financial industry, and has also led to the vigorous development of other financial innovation methods. As a new financial model, the development of Internet finance has attracted a lot of attention, affected people's work and life, and also caused a certain impact and challenges to the financial institutions of state-owned banks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2;F274

【相似文献】