中国互联网金融与传统商业银行关系研究

发布时间：2017-12-28 22:10

本文关键词：中国互联网金融与传统商业银行关系研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：在信息时代,现代信息技术与互联网技术都迅猛发展,影响着各行各业,金融行业也受到了很大的影响。互联网金融打破了传统金融服务模式的禁锢,秉承着“互联网精神”为人们提供了更加高效便捷的优质服务。互联网金融对传统商业银行的影响是多方面的,首先表现在互联网金融对传统商业银行是一种冲击,从根本上打破了传统金融的经营模式和运行格局;其次,互联网金融也促进了传统商业银行进行变革和创新,从而应对冲击,实现长期发展。传统商业银行仍然占据着不可撼动的重要地位,互联网金融的发展也势不可挡,在一段时期内或者一定程度上二者是相互竞争的矛盾体,但是从现代金融的长远发展角度看,二者相互影响,共同促进了现代金融体系的完善。探索和分析互联网金融自身的模式和特点,可以更加了解互联网金融,而且有助于探索和把握未来金融的发展方向;将互联网金融和传统商业银行进行分析比较,研究二者的关系和相互影响,有助于探索出二者的互利共赢的融合之道以及如何完善现代金融体系。导论部分首先从近年来国家战略和互联网金融的发展状况、对传统商业银行的影响以及传统商业银行的改革来阐述本文的研究背景与意义。然后对国内外有关的研究进行简练、综合的概述与总结,提出本文的研究思路与研究方法。最后阐述了本文可能的创新点以及本文所存在的不足之处。正文部分首先对互联网金融进行概述,从广义与狭义两方面概括总结了互联网金融的内涵与概念,阐述了互联网金融的模式和特点;然后运用SWOT分析方法分别对互联网金融和传统商业银行进行分析,分析二者自身的竞争优势、竞争劣势、机会和威胁;之后采用比较分析与案例分析相结合的方法分析了互联网金融对传统商业银行的影响,从冲击、促进作用,以及两者的相互融合与作用,共同完善现代金融体系几个方面进行展开叙述。最后分别阐述了互联网金融与传统商业银行为了共同促进完善现代金融体系各自的发展演进策略。
[Abstract]:In the information age, modern information technology and Internet technology have developed rapidly, affecting all walks of life, and the financial industry has also been greatly affected. Internet finance has broken the confinement of the traditional financial service mode, and the "Internet spirit" provides people with more efficient and convenient service. The Internet finance affects many aspects of traditional commercial bank, the first performance in the Internet is a kind of financial impact on traditional commercial banks, fundamentally broke the traditional financial management mode and operation pattern; secondly, the Internet financial also promotes the traditional commercial banks to reform and innovation, so as to cope with the impact of long-term development. The traditional commercial banks still occupy an important position can not be shaken, the development of Internet banking is a trend which cannot be halted, during a period of time or to a certain extent, the two is the contradiction of mutual competition, but from the perspective of modern financial development and the two influence each other, and jointly promote the improvement of the modern financial system. Exploration and analysis of patterns and characteristics of Internet finance itself, you can learn more about the Internet finance, but also helps to explore and grasp the future development direction of finance; will the Internet Finance and traditional commercial banks were analyzed and compared, research the relationship between the two and mutual influence, is helpful to explore the fusion of the two win-win road and how to improve the modern financial system. The introductory part first expounds the background and significance of this research from the recent development of national strategy and Internet finance, the influence of traditional commercial banks and the reform of traditional commercial banks. Then a brief and comprehensive summary and summary of relevant research at home and abroad are carried out, and the research ideas and methods of this paper are put forward. At the end of this paper, the possible innovation points and the shortcomings of this article are expounded. The first part gives an overview of the Internet finance, summarizes the connotation and concept of Internet banking from the broad and narrow sense in two aspects, expounds the mode and characteristics of Internet finance; then using the SWOT analysis method of Internet banking and traditional commercial banks are analyzed, the analysis of the two competitive advantage, competitive disadvantage, opportunities and threats after the comparative analysis; analysis of the Internet financial impact on traditional commercial banks and the case analysis method of combining, promote from the impact and role, and combine with the effect of the two, together to improve the modern financial system in several aspects narrative. Finally, it expounds the development and evolution strategies of Internet Finance and traditional commercial banks in order to promote the improvement of the modern financial system.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33

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