我国互联网金融对商业银行盈利的影响研究

发布时间：2018-02-16 15:08

本文关键词： 互联网金融商业银行盈利　出处：《厦门大学》2014年硕士论文　论文类型：学位论文

【摘要】：2013年被称为“互联网金融元年”,这一年,互联网金融这一概念开始被大众所熟知。进入2014年,互联网金融表现出日益强大的影响力并引起了“鲶鱼效应”——其在冲击商业银行业务的同时也有效地促进了商业银行的创新与转型。正是在这一背景下,本文对互联网金融对商业银行盈利的影响进行了研究。本文从厘清互联网金融的概念入手,对互联网金融与金融互联网化进行了区分,并对我国互联网金融的发展现状进行了阐述,同时,对比分析了互联网金融与商业银行两者的优势。在此基础上,本文以商业银行资产负债表和利润表为切入点,对互联网金融的不同业务模式对商业银行的影响机制进行讨论,并在2013年年中这一时点对相关影响进行了一定的量化分析。通过分析,本文认为,互联网金融的不同业务模式主要通过影响商业银行的利息收入和手续费及佣金收入来影响商业银行的盈利状况。其中,余额宝类产品、第三方支付结算和第三方理财产品销售平台对商业银行冲击最大。进一步地,本文选取上述对商业银行影响较大的通道类业务和余额宝类产品,通过对美国相关类似业务的分析,认为这类业务对商业银行不会造成颠覆性的影响。最后,本文通过阐述两者当前在不同业务类别上的竞争形势,为商业银行应对互联网金融的挑战提出了对策与建议。
[Abstract]:In 2013, it was called the "first year of Internet Finance." in that year, the concept of Internet Finance began to be known to the public. Internet finance shows increasingly powerful influence and causes "catfish effect", which not only impacts the business of commercial banks, but also effectively promotes the innovation and transformation of commercial banks. It is under this background that this paper studies the influence of Internet finance on commercial banks' profits. At the same time, it compares and analyzes the advantages of Internet finance and commercial bank. On this basis, this paper takes the balance sheet and income statement of commercial bank as the breakthrough point. This paper discusses the influence mechanism of different business models of Internet finance on commercial banks, and makes a quantitative analysis on the relevant effects at the time of mid-#date0#. The different business models of Internet finance mainly affect the profitability of commercial banks by influencing their interest income, fees and commission income. Among them, Yu'e Bao products, Third party payment and settlement and third party financial products sales platform have the greatest impact on commercial banks. Further, this paper selects the channel business and Yu'e Bao products, which have a great impact on commercial banks. Based on the analysis of similar business in the United States, it is concluded that this kind of business will not cause subversive effects on commercial banks. Finally, this paper expounds the current competitive situation of the two businesses in different business categories. This paper puts forward some countermeasures and suggestions for commercial banks to deal with the challenge of Internet finance.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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