互联网金融对HX银行的影响及其对策研究

发布时间：2018-02-13 17:51

本文关键词： 互联网金融银行比较优势竞合关系应对措施　出处：《郑州大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着“互联网+”时代的到来,以第三方支付、网络借贷、众筹融资、余额宝等为代表的互联网金融迅速崛起。“开放、平等、协作、分享”的互联网精神给传统金融带来了新的理念,注入了新的活力,带来了新的竞争。互联网金融的迅猛发展,对金融机构尤其是HX银业的冲击已经显现出来,未来随着互联网金融发展不断壮大,将会与银行业展开更加激烈的竞争,甚至由此改变HX银行的经营模式和运行格局。因此,在新的竞争格局下,深入研究互联网金融对HX银行的影响,重新审视自身的优势与不足,并以此为契机突破传统商业模式的限制,再造业务流程和构建新的价值网络,促成传统业务拓展和经营管理模式的彻底转型具有重要的现实意义。该论文采取理论分析、比较分析、数据分析和定性分析相结合的方法,通过描述互联网金融的理论基础,从理论上解释其存在的合理性和强大的生命力;通过对互联网跨界金融和银行跨界互联网从多个维度进行比较分析,得出二者是一种竞合关系;通过数据图表描述互联网金融的发展状况,为我们展现出了一幅生动的互联网时代下的金融生态环境。本文回顾了国内外关于此类研究的文献,发现以往研究主要分为三派:1.挑战派。他们认为互联网金融对银行业产生了巨大的挑战,如再不采取措施,其地位岌岌可危;2.互补派。他们认为互联网金融对银行业的影响虽有挑战,但更多的是要优势互补;3.合作派。他们认为互联网对商业银行的影响有很强的冲击力,二者不应相互敌视,而应相互合作。以上三种学派观点虽然具有代表性,但不一定代表银行业未来发展的趋势,更不一定代表规律。我们认为,应当从互联网金融的本质、特性以及未来HX银行与互联网相互跨界的比较中得到解决方案。基于这种思路,本文尝试着从互联网金融内涵、理论基础和发展状况着手,详细分析了互联网金融对HX银行的影响,并深入探讨了互联网跨界金融的“鲶鱼效应”倒逼银行跨界互联网,提出互联网金融与银行之间既不是完全的相互斗争,也不是单一的互补,更不是简单的合作,而是一种竞合关系。以这种理念为基础,提出了HX银行在跨界互联网的过程中,要不断吸收互联网金融的优势,与互联网企业形成战略联盟,实现与互联网企业的融合,这是HX银行的应对之道。
[Abstract]:With the advent of the "Internet" era, Internet finance, represented by third-party payment, online lending, crowdfunding and Yu'e Bao, has risen rapidly. The Internet spirit of sharing has brought new ideas, new vitality, and new competition to traditional finance. The rapid development of Internet finance has shown its impact on financial institutions, especially the HX silver industry. In the future, with the development of Internet finance, there will be more fierce competition with the banking industry, and even change the operation pattern of HX bank. Therefore, under the new competition pattern, Deeply study the influence of Internet finance on HX bank, re-examine its own advantages and disadvantages, and take this opportunity to break through the limitation of traditional business model, reengineer business process and construct new value network. It is of great practical significance to promote the transformation of traditional business development and management mode. This paper adopts the methods of theoretical analysis, comparative analysis, data analysis and qualitative analysis to describe the theoretical basis of Internet finance. It explains the rationality and vitality of its existence theoretically, and draws a conclusion that it is a kind of competing relationship by comparing and analyzing the cross-border finance of Internet and the cross-border Internet of banks from several dimensions. The development of Internet finance is described by data charts, which shows us a vivid financial ecological environment in the Internet era. This paper reviews the literature of this kind of research at home and abroad. They found that previous studies were divided into three main groups: one: one. They believed that Internet finance posed a huge challenge to the banking sector, such as failing to take any more measures. Their position is at stake 2.The complementary faction. They believe that although the impact of Internet finance on the banking sector is challenging, it is more about complementing each other's strengths. They believe that the impact of the Internet on commercial banks has a strong impact. The two should not be hostile to each other, but should cooperate with each other. Although the above three schools of thought are representative, they do not necessarily represent the future development trend of the banking industry, let alone the law. We believe that the nature of Internet finance should be taken into account. Based on this idea, this paper tries to start with the connotation, theoretical foundation and development of Internet finance. This paper analyzes in detail the influence of Internet finance on HX Bank, and probes into the "catfish effect" of Internet Cross-border Finance, which forces banks to cross the Internet, and points out that Internet finance and banks are not completely fighting each other. Nor is it a single complement, not a simple cooperation, but a relationship of competition and cooperation. Based on this concept, it is proposed that HX banks should constantly absorb the advantages of Internet finance in the process of cross-border Internet. To form a strategic alliance with the Internet enterprises and realize the integration with the Internet enterprises, this is the HX Bank's response.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.33

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