互联网金融之“余额宝”对商业银行的影响研究

发布时间：2018-04-16 13:32

本文选题：互联网金融 + 余额宝　；参考：《华中科技大学》2014年硕士论文

【摘要】：随着信息技术的飞速发展，互联网对人们生活的各个方面产生了深远的影响。互联网金融更是大势所趋，潜移默化地影响着传统银行业在金融市场中的角色定位。互联网金融概念范围很广，既包括比较成熟的网上银行，手机银行等，也包括了当下热门的移动支付,P2P，众筹等新的金融模式。互联网金融建立在高度发达的网络技术基础之上，但它不仅仅只是科技与数据的叠加形成的互联网技术金融，也不只是传统金融的简单升级，而是一种基于互联网思想的金融，以技术作为必要支撑。当今时代，大数据发展迅猛，，互联网金融这样的新兴模式得到市场的广泛关注和认可，参与传统银行业务的竞争，给传统银行业务带来不小的影响，将来甚至可能给传统银行业的经营模式以及运行格局带来冲击。互联网金融在给传统银行业的发展带来挑战的同时，也带来了前所未有的机遇。本文选取“余额宝”这一具有代表性的互联网金融产品进行研究，收集相关的最新资料归纳整理互联网金融的概念、发展、特点。通过实际调查和案例分析的方式阐述余额宝在产生及发展过程中的优势及缺陷，探讨余额宝对传统商业银行的影响。从当前发展情况来看，余额宝暂时不会对银行的业务和地位产生太大的影响。但是银行应该逐步提高应对互联网金融带来的“鲢鱼效应”的能力，积极转变发展观念，顺应互联网金融发展的潮流。
[Abstract]:With the rapid development of information technology, the Internet has a profound impact on all aspects of people's lives.Internet finance is the trend of the times, which influences the role of the traditional banking industry in the financial market.The concept of Internet finance covers a wide range, including the more mature online banking, mobile banking and so on, but also includes the popular mobile payment P2P, crowdfunding and other new financial models.Internet finance is based on the highly developed network technology, but it is not only the combination of technology and data, but also the simple upgrade of traditional finance, but also a kind of finance based on Internet thought.Take technology as necessary support.In today's era, big data is developing rapidly. The emerging model of Internet finance has been widely concerned and recognized by the market. Participating in the competition of traditional banking business has brought great influence to the traditional banking business.In the future, it may even impact the operation pattern of the traditional banking industry.Internet finance not only brings challenges to the development of traditional banking, but also brings unprecedented opportunities.This article selects "Yu'e Bao", a representative Internet financial product, to carry on the research, collects the related newest data to summarize and sort out the concept, the development, the characteristic of the Internet finance.This paper expounds the advantages and disadvantages of Yu'e Bao in the process of production and development, and probes into the influence of Yu'e Bao on the traditional commercial banks by means of actual investigation and case analysis.From the current development, Yu'e Bao will not have a major impact on the bank's business and status.However, banks should gradually improve their ability to deal with the silver carp effect brought by Internet finance, actively change their concept of development and conform to the trend of Internet finance development.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

【相似文献】