互联网金融对城市商业银行的影响及其应对策略
发布时间：2018-08-03 09:00
【摘要】：随着社会经济的快速发展,以众筹、p2p网贷、第三方支付、电子商务等为代表的互联网金融出现给传统金融模式带来了不小的冲击。传统金融模式逐渐被互联网金融模式所替代,其拥有简单、快捷的特点,对整个银行业产生巨大影响,大型国有商业银行比城市商业银行拥有更大的规模、更完善的体系、更优秀的风控能力,导致城市商业银行在未来的发展中有更大的挑战。因此,城市商业银行应及时适应互联网金融带来的影响,并积极开展互联网金融的建设,实现转变营业模式。本文从城市商业银行的角度,研究在互联网金融的快速发展冲击下,商业银行的受到哪些影响,应当如何把握好互联网金融的发展机遇进行业务转型。通过分析,本文认为,互联网金融的发展在很大程度上影响了传统金融行业的业务发展、市场拓展、客户群体沉淀,使得城市商业银行金融中介角色逐渐弱化,利率市场化进程加快,银行利差收入逐渐减小,金融脱媒速度更快。然后就互联网金融对银行业和城市商业银行的负债、资产、中间业务收入三个方面的影响进行了分析和阐述,再对当前各家商业银行参与互联网金融新兴业务模式进行逐个阐述和优劣势分析,并重点从监管背景、“互联网+”金融产品、业绩数据分析等方面具体剖析了江苏银行互联网金融的实践案例,最后以我国城市商业银行为例,对城市商业银行在互联网金融快速发展环境下应当如何进行改革以及在转型过程中城市商业银行必须要注重哪方面的力量建设,在经营体系的改革上,应该加大中间业务的发展力度,加快直销银行的建设,资产负债管理的增强,利用本地市场资源的优势建设电商经营模式;同时在产品角度,个人零售、小微企业业务应积极开发创新,联合不同领域搭建金融生态链;从渠道建设来看,应该物理网点和电子渠道同步发展,物理网点作为银行的信任支撑点同样应该进行优化改造;在体制方面要逐步推动混合所有制改革。本文认为,传统银行金融模式并不会被互联网金融所取代,互联网金融只是为传统金融注入一股新的能量,城市商业银行应该结合自身的优势将互联网金融的影响转换为自身发展的机遇,最终达到可持续发展。
[Abstract]:With the rapid development of social economy, the emergence of Internet finance, such as crowdfunding P2P network loan, third-party payment, e-commerce and so on, has brought a great impact to the traditional financial model. The traditional financial model is gradually replaced by the Internet financial model, which has the characteristics of simplicity and rapidity, and has a great impact on the whole banking industry. The large state-owned commercial banks have a larger scale and a more perfect system than the urban commercial banks. Better wind-control capability leads to greater challenges for urban commercial banks in the future development. Therefore, city commercial banks should adapt to the influence of Internet finance in time, carry out the construction of Internet finance actively, and realize the change of business mode. From the point of view of city commercial banks, this paper studies how commercial banks are affected by the impact of the rapid development of Internet finance, and how to grasp the development opportunities of Internet finance for business transformation. Based on the analysis, this paper believes that the development of Internet finance has greatly affected the business development of traditional financial industry, market expansion, customer group precipitation, which makes the role of financial intermediary of city commercial banks weaken gradually. The interest rate marketization process speeds up, the bank interest rate difference income gradually reduces, the financial disintermediation speed is faster. Then it analyzes and expounds the impact of Internet finance on the liabilities, assets and intermediate business income of the banking industry and the city commercial banks. After that, the paper analyzes the advantages and disadvantages of the current commercial banks' participation in the emerging business models of Internet finance, and focuses on the regulatory background, "Internet" financial products, This paper analyzes the practical cases of Jiangsu Bank's Internet finance from the aspects of performance data analysis, and finally takes the city commercial banks of our country as an example. How to reform the city commercial banks under the environment of the rapid development of Internet finance, and in the process of transformation, which aspects of the city commercial banks must pay attention to the construction of power, in the reform of the management system, We should step up the development of intermediary business, speed up the construction of direct selling banks, enhance the management of assets and liabilities, use the advantages of local market resources to build e-commerce business models, and at the same time, from the product point of view, individual retailing, Small and micro enterprises should actively develop and innovate, combine different fields to set up financial ecological chain, from the perspective of channel construction, physical network and electronic channel should develop simultaneously, and physical network should also be optimized and reformed as the supporting point of bank trust. In terms of the system, we should gradually push forward the reform of mixed ownership. This paper argues that the traditional banking financial model will not be replaced by the Internet finance, which only infuses a new energy into the traditional finance. City commercial banks should combine their own advantages to transform the influence of Internet finance into opportunities for their own development, and finally achieve sustainable development.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33
本文编号：2161251
[Abstract]:With the rapid development of social economy, the emergence of Internet finance, such as crowdfunding P2P network loan, third-party payment, e-commerce and so on, has brought a great impact to the traditional financial model. The traditional financial model is gradually replaced by the Internet financial model, which has the characteristics of simplicity and rapidity, and has a great impact on the whole banking industry. The large state-owned commercial banks have a larger scale and a more perfect system than the urban commercial banks. Better wind-control capability leads to greater challenges for urban commercial banks in the future development. Therefore, city commercial banks should adapt to the influence of Internet finance in time, carry out the construction of Internet finance actively, and realize the change of business mode. From the point of view of city commercial banks, this paper studies how commercial banks are affected by the impact of the rapid development of Internet finance, and how to grasp the development opportunities of Internet finance for business transformation. Based on the analysis, this paper believes that the development of Internet finance has greatly affected the business development of traditional financial industry, market expansion, customer group precipitation, which makes the role of financial intermediary of city commercial banks weaken gradually. The interest rate marketization process speeds up, the bank interest rate difference income gradually reduces, the financial disintermediation speed is faster. Then it analyzes and expounds the impact of Internet finance on the liabilities, assets and intermediate business income of the banking industry and the city commercial banks. After that, the paper analyzes the advantages and disadvantages of the current commercial banks' participation in the emerging business models of Internet finance, and focuses on the regulatory background, "Internet" financial products, This paper analyzes the practical cases of Jiangsu Bank's Internet finance from the aspects of performance data analysis, and finally takes the city commercial banks of our country as an example. How to reform the city commercial banks under the environment of the rapid development of Internet finance, and in the process of transformation, which aspects of the city commercial banks must pay attention to the construction of power, in the reform of the management system, We should step up the development of intermediary business, speed up the construction of direct selling banks, enhance the management of assets and liabilities, use the advantages of local market resources to build e-commerce business models, and at the same time, from the product point of view, individual retailing, Small and micro enterprises should actively develop and innovate, combine different fields to set up financial ecological chain, from the perspective of channel construction, physical network and electronic channel should develop simultaneously, and physical network should also be optimized and reformed as the supporting point of bank trust. In terms of the system, we should gradually push forward the reform of mixed ownership. This paper argues that the traditional banking financial model will not be replaced by the Internet finance, which only infuses a new energy into the traditional finance. City commercial banks should combine their own advantages to transform the influence of Internet finance into opportunities for their own development, and finally achieve sustainable development.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33
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