城市商业银行互联网金融发展研究

发布时间：2018-01-11 16:35

本文关键词：城市商业银行互联网金融发展研究　出处：《兰州大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着信息技术的进步和网络覆盖率的提升,互联网金融应运而生并有强劲的发展势头,这势必会给传统金融行业带来冲击。当前金融市场深化改革、利率市场化加速,城商行面临前所未有的挑战,转型势在必行,如果城商行能对互联网金融有深刻理解,互联网金融未尝不是城商行转型发展的一把利器。本文首先从城商行发展现状这一内部原因和互联网技术高速发展、城商行面临更为严峻的竞争环境这一外部原因分析,得出城商行发展互联网金融的必然性。其次对互联网金融特点及各模式做出介绍。然后分析各模式对商业银行的不同影响,不同的模式对银行的影响各有不同,有冲击也有合作。再次,分析互联网金融带给城商行的创新及机遇；最后,对城商行发展互联网金融提出几点对策。互联网金融带给传统商业银行的机遇与挑战并存,目前互联网企业涉足金融业在其规模和业绩上尚未给银行带来实质性冲击,更多的是在思想、技术和模式层面的冲击。如果城商行能够深入理解互联网金融的内涵,学习互联网金融的理念,互联网金融将会是城商行转型的利器。而且在互联网金融尚处于初步发展阶段的今天,越早发力的银行更易获得较多的资源,并为后续发展奠定先发优势。如果要将互联网金融深入银行各个层面,将其根植于银行基因中,传统商业银行必然要进行大刀阔斧地改革,甚至深入到组织架构。城市商业银行与大型银行相比固然存在很多劣势,但“船小好掉头”是城商行的独具优势。如果城商行能够利用好这一契机,积极创新,很有可能在一些新兴业务上赶超大银行,形成竞争力,而这种竞争力的形成依靠传统经营领域实现起来的难度要大得多。
[Abstract]:With the coverage of the progress of information technology and network promotion, Internet Finance emerges and a strong momentum of development, which will bring a shock to the traditional financial industry. The current financial market deepening reform, accelerating the interest rate market, city commercial banks facing the hitherto unknown challenge, it is imperative to transition, if the City firm can have a deep understanding of the Internet finance. The Internet financial restructuring and development of the city firm is not a weapon. Firstly, from the present situation of the development of city commercial banks the internal reasons and fast development of Internet technology, more severe competition environment causes the external analysis of city commercial banks facing, the necessity of the development of Internet banking business to the city. Secondly the introduction of the financial characteristics of the Internet and the effect of each model. Then analysis of different models of commercial banks, the impact on the banks of the different modes are different, there are also impact Cooperation. Once again, the Internet financial analysis to city business innovation and opportunity; finally, the city firm Internet financial development put forward some countermeasures. Internet banking brings opportunities and challenges to the traditional commercial banks coexist, the Internet companies involved in the financial industry in the scale and the performance does not bring substantial impact to the bank, is more in theory, technology and model level impact. If the connotation of city commercial banks to in-depth understanding of the Internet finance, Internet Financial learning concept, the Internet will be the financial tool city commercial transformation. And in Internet banking is still in the preliminary stage of development today, the sooner the force banks easier to get more resources, and to lay the first the advantage for the subsequent development. If the Internet financial depth bank at all levels, it is rooted in the gene bank, traditional commercial banks must be carried out Make snap to reform, even deep into the organization. The city commercial banks compared with large banks although there are many disadvantages, but the small boat U-turn is a city firm with unique advantages. If the city firm can take advantage of this opportunity, positive innovation, most likely in some new business to catch up with the big banks, the formation of competitiveness the formation of this competition, rely on the traditional business areas to achieve it is much more difficult.

【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6

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