我国互联网金融发展对商业银行的影响研究

发布时间：2018-01-05 02:31

本文关键词：我国互联网金融发展对商业银行的影响研究　出处：《对外经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网金融的发展,与互联网有关的创新型业务,如网上银行、手机银行、移动支付、余额宝、阿里小贷等发展势头迅猛,其发展潜力很大。由于互联网金融的飞速发展起来,导致以往的一些金融机构,比如说银行等,不得不面对这一巨大挑战。在当今互联网普及和应用度高的背景下,银行要在这个环境中继续保持自己的优势,就必须在竞争中不断创新,进而改变自身的经营模式和运行的格局。在我国相对宽松的监管环境这一有利背景下,起步较晚的互联网金融仍取得了长足的发展。互联网支撑了现代信息企业的发展,这些信息企业将自己优势和金融很好地结合起来,这种创新性的结合在具体的金融产品中能够体现出来,这也对那些中小企业的发展带来了巨大的推动作用,使得实体经济水平层次上升了很多。在这样的环境中,传统的银行业和金融业也实现了强强联合,将方便、快捷的金融服务提供给人民大众。总之,互联网有助于利率市场化和普惠金融的发展,极大地改变了当今金融格局。作为金融业之首的银行业一定要抓住时机,在和金融业合作的同时,联合监管机构对互联网金融存在的问题进一步监管,从而使得合作更为有效。
[Abstract]:The development of Internet banking, innovative businesses related to the Internet, such as online banking, mobile phone banking, mobile payment, the balance of treasure, Ali small loans and the momentum of rapid development, its development potential is very great. Because of the rapid development of Internet banking, led to a number of financial institutions in the past, such as banks, have to face it a huge challenge. The popularization and application of high background in today's Internet, banks should continue to maintain their advantage in this environment, it is necessary to innovate in the competition, and then change its business model and operation pattern. In this favorable background of China's relatively relaxed regulatory environment, a late start internet banking is still made great progress. The Internet to support the development of the modern information enterprise information, these companies will own financial advantage and good combination of this innovative combination of in out The body can be reflected in financial products, it is also for those small and medium-sized enterprise development brings huge role, so that the real economy level rising a lot. In this environment, the traditional banking industry and financial industry also realized the combination, convenient, quick to provide financial services to the masses of the people. In short, the Internet helps the interest rate marketization and inclusive financial development, greatly changed the financial structure. As the financial industry's first banking industry must seize the opportunity, and cooperation in the financial sector at the same time, combined with regulatory agencies to further regulation of Internet financial problems, which makes the cooperation more effective.

【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.33

【参考文献】