互联网金融与商业银行的竞争合作关系研究

发布时间：2018-01-01 09:06

本文关键词：互联网金融与商业银行的竞争合作关系研究　出处：《湖南科技大学》2015年硕士论文　论文类型：学位论文

【摘要】：2013年是互联网金融兴起的一年,互联网金融慢慢进人大众的视野。2014年,互联网金融迅速发展,给商业银行带来了一定冲击的同时,也给商业银行带来了机遇。正是在这样一个环境下,本文首先介绍了互联网金融的定义与发展的理论基础——现代金融中介理论,详细介绍了我国主要的互联网金融模式的发展。然后论述了互联网金融对中国经济贡献和传统金融的影响,讨论了互联网金融的特殊风险以及如何监管。基于上述铺垫,本文以商业银行的资产业务、负债业务和中间业务为切入点,探讨互联网金融与商业银行的竞争。本文认为,互联网金融之所以对商业银行造成了竞争是影响了其利息收入和手续费收入,有些互联网金融产品对商业银行的竞争较大,但由于商业银行自身的特点和我国目前的发展形势,互联网金融无法颠覆商业银行。相反它们趋于合作,本文通过博弈论对这种合作关系进行了实证研究,得出了商业银行和互联网金融合作所需要满足的条件。
[Abstract]:2013 is the year of the rise of Internet finance, Internet finance slowly into the public vision. 2014, the rapid development of Internet finance, commercial banks brought a certain impact at the same time. It is in such an environment that this paper first introduces the definition and development of Internet finance, which is the theoretical basis of modern financial intermediation theory. This paper introduces the development of China's main Internet finance models in detail, and then discusses the impact of Internet finance on China's economic contribution and traditional finance. This paper discusses the special risks of Internet finance and how to supervise it. Based on the above, this paper takes the asset business, liability business and intermediate business of commercial banks as the starting point. This paper discusses the competition between Internet finance and commercial banks. Some Internet financial products are more competitive with commercial banks, but because of the characteristics of commercial banks and the current development situation of our country, Internet finance can not subvert commercial banks. On the contrary, they tend to cooperate. This paper makes an empirical study on this cooperative relationship through game theory, and obtains the necessary conditions for the cooperation between commercial banks and Internet finance.
【学位授予单位】：湖南科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.33

【相似文献】