互联网金融背景下我国中小银行的发展对策研究

发布时间：2018-01-23 02:33

本文关键词： 互联网金融中小银行直销银行　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：2013年,以“余额宝”为代表的互联网金融产品在我国大量涌现并迅速发展壮大。互联网金融作为传统金融业与互联网技术深度融合所产生的一种新的金融服务模式,使得传统的金融服务的成本更低、效率更高、操作更便捷,可以为更多、更广泛的用户提供金融服务,扩展了金融服务的深度和广度。与传统的金融服务相比,互联网金融存在巨大的优势。所以,这种新的金融模式势必会对传统的金融机构和产品服务产生一定的影响。在我国以银行为主导的金融体系中,以股份制银行、城市商业银行、村镇银行等为代表中小银行正在逐步发展成为推进我国金融业发展的新动力。互联网金融的快速发展必然会引发与传统金融业的激烈竞争,为我国中小银行的发展带来机遇和挑战。在这种背景下,分析中小银行如何应对互联网金融的竞争对于促进中小银行自身的发展和提升我国金融业的整体实力都具有重要的意义。本文首先介绍了互联网金融的概念、特点和模式以及在国内外的发展情况,然后总结了我国中小银行的发展现状以及发展中存在的问题。在此基础上,从不同的角度分别分析了互联网金融对我国中小银行发展所产生的积极和消极影响。最后,在对我国中小银行进行SWOT战略分析的基础上,提出我国中小银行应该充分发挥自身的优势,并在发展理念、经营模式、产品服务以及风险管理等方面进行改革和创新,提升自身的实力和竞争力,在互联网金融背景下实现可持续发展,并运用民生银行直销银行的案例指出了我国中小银行为应对互联网金融所做的尝试和努力。
[Abstract]:2013. Internet financial products, represented by Yu'e Bao, emerge in large numbers and develop rapidly in China. Internet finance is a new financial service model which is produced by the deep integration of traditional financial industry and Internet technology. Make the traditional financial services lower cost, higher efficiency, more convenient operation, can provide more and more extensive users of financial services, expand the depth and breadth of financial services. Compared with traditional financial services. Internet finance has great advantages. Therefore, this new financial model is bound to have a certain impact on the traditional financial institutions and products and services. Joint-stock banks, city commercial banks. Village banks and other small and medium-sized banks are gradually developing into a new driving force to promote the development of our financial industry. The rapid development of Internet finance will inevitably lead to fierce competition with the traditional financial industry. For the development of small and medium-sized banks in China brings opportunities and challenges. In this context. It is of great significance to analyze how small and medium-sized banks cope with the competition of Internet finance for promoting the development of small and medium-sized banks and improving the overall strength of our financial industry. Firstly, this paper introduces the concept of Internet finance. Characteristics and models as well as the development situation at home and abroad, and then summed up the status quo of the development of small and medium-sized banks in China and the existing problems. On this basis. This paper analyzes the positive and negative effects of Internet finance on the development of small and medium banks in China from different angles. Finally, on the basis of SWOT strategic analysis of small and medium-sized banks in China. Put forward that our small and medium-sized banks should give full play to their own advantages, and in the development concept, business model, product services and risk management and other aspects of reform and innovation, to enhance their own strength and competitiveness. In the context of Internet finance to achieve sustainable development, and using the case of Minsheng Bank Direct selling Bank, this paper points out the attempts and efforts made by small and medium-sized banks to deal with Internet finance.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.3

【共引文献】