互联网金融对我国传统商业银行商业模式的影响

发布时间：2018-01-25 09:33

本文关键词： 商业模式盈利模式互联网金融商业银行　出处：《北京外国语大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,互联网金融是一个热点问题。他对我们的影响不仅限于融资渠道,连我们的思维方式也都因其改变了。在过去的三十年中,由于我国金融市场发展的不完善,个人和企业的投融资标的选择往往是被动的,金融企业提供哪些金融产品我们就接受哪些,并且我们的投融资范围往往限定于间接融资。互联网金融的发展极大程度的改变了市场的竞争格局,信息而不仅仅是资金也在金融市场竞争中扮演了很重要的角色。在金融市场中,我国传统商业银行的发展时间最久,资金体量最大,扮演着最重要的角色。在过去,我国长期实行利率管制,存贷利差较大,给传统商业银行带来了很大的话语权,也带来了很高的利润,但与此同时也抑制了商业银行寻求更加高效的商业模式。互联网金融的发展,给我国传统的商业银行无论是在整体盈利水平还是在商业模式上都带来了很大的冲击。本文研究的目的就是发现互联网金融的发展到底给传统商业银行的商业模式带来了哪些冲击,并寻找传统商业银行可以通过哪些方式来实现突破,扭转当前局面。本文的主要内容包括商业模式模型介绍,互联网金融及传统商业银行发展现状及商业模式介绍,并对两者的商业模式进行了对比,还有以中国银行为例,分析了互联网金融对我国商业银行商业模式的影响,最后提出解决我国商业银行商业模式创新之路。研究的方法是文献阅读法和案例分析法。研究的结论是我国传统商业银行商业模式的创新需要走更加专业化之路。本文的创新之处在于以商业模式模型的角度对比分析了互联网金融和传统商业银行,而不仅仅是从业务的角度来分析。
[Abstract]:In recent years, Internet finance has been a hot issue. Its impact on us is not limited to financing channels, even our way of thinking has changed because of it. In the past 30 years. Because of the imperfect development of financial market in our country, the choice of investment and financing target of individuals and enterprises is often passive, and we accept which financial products financial enterprises provide. And our scope of investment and financing is often limited to indirect financing. The development of Internet finance has greatly changed the competitive pattern of the market. Information, not just capital, also plays an important role in the competition of financial market. In the financial market, the traditional commercial banks of our country have the longest development time and the largest amount of funds. It plays the most important role. In the past, our country carried out the interest rate control for a long time, the deposit and loan interest rate difference is big, has brought the very big speech right to the traditional commercial bank, also has brought the very high profit. But at the same time, it also inhibits the development of commercial banks seeking more efficient business model. Internet finance. The purpose of this paper is to find out that the development of Internet finance is the commercial model of traditional commercial banks. What kind of impact. And look for the traditional commercial banks to achieve breakthrough and reverse the current situation. The main content of this paper includes the introduction of business model. Internet finance and traditional commercial banks development status and business model introduction, and the comparison of the two business models, as well as the Bank of China as an example. This paper analyzes the impact of Internet finance on the commercial model of commercial banks in China. Finally, the paper puts forward the way to solve the innovation of commercial model of commercial banks in China. The methods of research are literature reading method and case analysis method. The conclusion of the study is that the innovation of commercial model of traditional commercial banks in China needs to take a more specialized road. The innovation of this paper lies in the comparative analysis of Internet finance and traditional commercial banks from the perspective of business model model. Not just from a business perspective.
【学位授予单位】：北京外国语大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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