互联网金融冲击下我国商业银行应对策略研究

发布时间：2018-02-23 06:37

本文关键词： 互联网金融商业银行演化博弈应对措施　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着以互联网为代表的现代信息科技的迅速发展,我国社会经济正在加速变化。2012年我国网络零售市场交易规模达1.32万亿元,较2011年增长了64.7%；网购用户规模达2.47亿人,同比增长21.7%。截至2012年底,我国电子商务市场交易规模达7.85万亿元,较上年同期增长了30.83%,国内电子商务市场呈现出蓬勃发展的态势。在电子商务不断超越传统商业模式的同时,“互联网金融”的诞生也在一定程度上表现出对传统金融服务模式的替代作用。新一代互联网技术的代表包括云计算、大数据、社交网络等等,它们凭借自身优势,开始向金融领域延伸拓展业务。随着第三方支付、众筹融资、P2P网络信贷以及其他形式的网络金融服务平台的不断出现,互联网金融引起了金融学者与政策制定者的高度重视。虽然在短期内互联网金融对传统银行业造成的冲击并不明显,但从长远上来,将有可能对商业银行中间业务、资产业务和负债业务造成不同程度的影响。同时,互联网金融的出现也在一定程度上为我国商业银行在互联网和大数据时代的发展带来不少机遇。一方面,我国商业银行资产实力雄厚,客户资源丰富,风险控制体系较为完善；另一方面,我国银行又存在业务流程冗长僵化、信息处理效率较低、部门机制严重、产品缺乏灵活性等问题。因此,我国商业银行应从战略的角度,发挥绝对优势,避开自身劣势,处理好与互联网企业之间复杂关系。文章从商业银行角度出发,分析互联网金融对我国银行业造成的冲击以及商业银行可能面临的机遇,研究商业银行与互联网企业之间在具体业务上的竞争合作关系,并在此基础上利用演化博弈模型进行模拟；根据我国银行业目前的发展状况以及其优劣势,分析各大商业银行近期所采取的具体应对措施,对商业银行互联网化发展提出几点思考；最后为我国商业银行未来发展提出建议,为推动我国银行业的全面改革升级提供参考与借鉴。
[Abstract]:With the rapid development of modern information technology, represented by the Internet, China's social economy is accelerating. In 2012, the scale of online retail market in China reached 1.32 tillion yuan, an increase of 64.7 over 2011, and the scale of online shopping users reached 247 million. By end of 2012, the scale of transactions in China's e-commerce market had reached 7.85 tillion yuan. Compared with the same period last year, the domestic e-commerce market has shown a vigorous development. While e-commerce continues to surpass the traditional business model, the birth of "Internet finance" also shows a certain degree of traditional gold. Alternative to the service model. The next generation of Internet technologies includes cloud computing, Big data, social networks and so on, with their own advantages, they begin to expand their business into the financial field. As third-party payments, crowdfunding, P2P network credit and other forms of online financial service platforms continue to emerge, Internet finance has attracted great attention from financial scholars and policy makers. Although the impact of Internet finance on traditional banking is not obvious in the short term, in the long run, it is likely to have an impact on the intermediary business of commercial banks. At the same time, the emergence of Internet finance also brings a lot of opportunities for the development of commercial banks in China in the era of Internet and big data. On the one hand, China's commercial banks have strong assets, abundant customer resources and perfect risk control system. On the other hand, Chinese banks have long and rigid business processes, low efficiency in information processing, and serious departmental mechanisms. Therefore, the commercial banks of our country should give full play to their absolute advantages, avoid their own disadvantages and deal with the complex relationship with the Internet enterprises from the angle of the commercial banks. This paper analyzes the impact of Internet finance on China's banking industry and the opportunities that commercial banks may face, and studies the competitive and cooperative relationship between commercial banks and Internet enterprises in specific business. On this basis, the evolutionary game model is used to simulate, and according to the current development situation and its advantages and disadvantages of China's banking industry, the concrete measures taken by major commercial banks in the near future are analyzed. Finally, some suggestions are put forward for the future development of Chinese commercial banks, which can be used as a reference for promoting the overall reform and upgrading of China's banking industry.
【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;F832.33

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