余额宝等互联网理财产品对F农商银行个人业务影响的研究

发布时间：2018-03-23 23:11

本文选题：互联网金融　切入点：余额宝　出处：《厦门大学》2014年硕士论文

【摘要】：2013年被称为中国的“互联网金融”元年,先不论这个称呼是否准确,但是2013年确实对于国内“互联网金融”而言,具有十分重大的意义,而这其中的关键就是以“余额宝”为代表的互联网理财产品的横空出世。 “余额宝”为代表的互联网理财产品的诞生,对国内的金融市场产生了巨大的影响,可以说是极具震撼效果,并引发了全社会的高度关注。余额宝等互联网理财产品凭借其良好的流动性和高收益,吸引了大量个人客户,并对银行传统的经营方式造成了重大冲击,分流了部分银行存款。本文选择余额宝作为此类产品的典型代表,对其业务流程和相关特点进行分析,并探讨其成功原因和可能存在的问题。由于余额宝等互联网理财产品的出现,国内金融业竞争愈发激烈。农村商业银行作为区域性的小型农村金融机构,由于综合实力相对较弱,将会面临更严峻和挑战。本文选取F农村商业银行(以下简称F农商银行)作为样本,在对该行的个人储蓄业务经营数据进行分析的基础上,通过问卷调查和理论分析两种方式进行研究,分析以余额宝为代表的互联网理财产品对小型农村金融机构的影响,既包括直接影响也包括间接影响。在研究直接影响时,侧重于从F农商银行和互联网理财产品的客户群着手,比较二者客户群的特点,以此分析互联网理财产品对F农商银行储蓄业务的影响力；在研究间接影响时,侧重于余额宝等产品实际推动了存款利率市场化的本质,从而进一步深入讨论在新的竞争形势下,F农商银行的短板所在。同时,本文在上述分析基础上对F农商银行未来的发展提出相关政策建议。
[Abstract]:2013 is called the first year of "Internet finance" in China, regardless of whether it is accurate or not, but 2013 does have great significance for domestic "Internet finance". And the key is to "Yu'e Bao" for the representative of the Internet financial products. The birth of Internet financial products represented by "Yu'e Bao" has had a tremendous impact on the domestic financial market, which can be said to have a very shocking effect. Yu'e Bao and other Internet financial management products, with their good liquidity and high returns, have attracted a large number of individual customers, and have had a major impact on the traditional management methods of banks. This paper chooses Yu'e Bao as a typical representative of this kind of products, analyzes its business process and related characteristics, and discusses the reasons for its success and possible problems. Due to the appearance of Yu'e Bao and other Internet financial products, the competition in the domestic financial industry is becoming more and more intense. As a regional small rural financial institution, rural commercial banks will face more severe and challenges because of their relatively weak comprehensive strength. This paper selects F Rural Commercial Bank (hereinafter referred to as F Rural Commercial Bank) as the sample, on the basis of the analysis of the bank's personal savings business management data, through the questionnaire survey and theoretical analysis of two ways to study. This paper analyzes the impact of Internet financial products, represented by Yu'e Bao, on small rural financial institutions, including both direct and indirect effects. This paper focuses on the analysis of the influence of Internet wealth management products on the savings business of F Rural Commercial Bank and Internet Financial products by comparing the characteristics of the two customer groups. Focusing on Yu'e Bao and other products has actually promoted the essence of the marketization of deposit interest rates, thus further discussing in depth where the short board of the Agricultural and Commercial Bank is in the new competitive situation. At the same time, On the basis of the above analysis, this paper puts forward some policy suggestions for the future development of F Agricultural Commercial Bank.
【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】：F724.6;F832.35;F832.2

【引证文献】