我国网上银行理财产品创新方案

发布时间：2018-06-08 08:36

本文选题：网上银行 + 理财产品　；参考：《广西大学》2014年硕士论文

【摘要】：随着大数据技术的日渐成熟,大资管时代已经来临。互联网金融产品的飞速发展加快了利率市场化的进程,给传统商业银行的业务开展带来巨大的冲击。在此情况下,传统银行依靠存贷利差为主要利润的方式已经无法持续。传统商业银行不能再单纯依靠扩大资产规模去经营,急需着眼于扩大中间业务收入来增加经营利润。大力发展网上银行成为传统商业银行的新出路,通过运用大数据和互联网技术降低经营成本,拓宽经营范围,从重视资产的规模经营逐渐转向重视客户个性化需求的精细化经营,以多层次多样化的产品和服务占领市场份额。本文基于现有国内外文献的研究,通过对我国网上银行理财产品的发展情况、现存问题及外部冲击进行研究探讨。紧扣当今互联网金融发展主题,以成熟的大数据挖掘技术为前提,借鉴美国嘉信理财公司经营方式成功转型的发展经验,参考国内“余额宝”等互联网金融理财产品运作模式,从战略定位、产品设计、营销策略三个角度出发,为我国网上银行的理财产品设计创新型方案。最后结合当今我国的市场环境与经济发展情况作出可行性分析,力求为我国网上银行理财产品的发展提供创新方向,以满足我国广大投资者日益增长的理财需求。
[Abstract]:With the maturation of big data technology, the era of large capital management has come. The rapid development of Internet financial products speeds up the process of interest rate marketization and brings great impact to the traditional commercial banks. In this case, the traditional banks rely on deposit and loan spreads as the main profit has been unsustainable. Traditional commercial banks can no longer rely solely on expanding the scale of assets to operate. It is urgent to focus on the expansion of intermediate business income to increase operating profits. The development of online banking has become a new way out for traditional commercial banks. Through the use of big data and Internet technology to reduce operating costs and broaden the scope of business, From the scale management of assets to the meticulous management of customer's individualized demand, the market share is occupied by multi-level and diversified products and services. Through the research on the development of online banking financial products in China, the existing problems and external shocks. Following closely to the theme of Internet finance development today, taking mature big data mining technology as the premise, drawing lessons from the successful transformation development experience of the American Credit Suisse Financial Management Company, referring to the domestic "Yu'e Bao" and other Internet financial management products operating mode, From the three angles of strategic orientation, product design and marketing strategy, this paper designs an innovative scheme for the financial products of our country's online bank. Finally, combining with the market environment and the economic development of our country, the paper makes a feasibility analysis, and tries to provide the innovative direction for the development of the financial products of our country's online banking, in order to meet the increasing financial needs of the investors in our country.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】