互联网金融对城市商业银行的影响研究

发布时间：2018-03-01 10:00

本文关键词： 互联网金融城市商业银行经营理念服务模式产品创新　出处：《吉林财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网金融如雨后春笋般迅速崛起,造就了一场具有划时代意义的变革,改变了一代人的生活方式。整个金融行业都在这场变革中受到强有力的竞争压力。特别是城市商业银行的经营理念、经营模式、产品创新和服务模式方面深受影响。论文认为,城市商业银行必须深刻领悟互联网金融的新型模式,了解互联网金融带给人们生活方式的转变。了解互联网金融的独特性质,比较两者的优劣势。利用现代科技,采纳互联网金融精神,不断创新经营。努力将城市商业银行自身打造成互联网经济大背景下的新型金融机构。从互联网金融视角分析城商行的发展,探究互联网金融对城市商业银行的影响具有重要的意义。论文通过对现有的相关文献进行分析整理以及在实际工作中了解到城市商业银行(吉林银行)基本情况,介绍了互联网金融的特性以及当前国内外的发展现状,同时介绍了城市商业银行的历史背景和发展现状,分析了随着互联网金融的快速发展,城市商业银行受到的影响和冲击。剖析城市商业银行的相对优势。通过对吉林银行实际影响的阐述,直观地了解互联网金融的产生给城市商业银行所带来的影响。面对互联网金融对城市商业银行的种种影响,城市商业银行首先应该转变经营理念,保持清醒的头脑、敏锐的市场嗅觉,正确认识当前经济背景下,城市商业银行的目标客户为哪些,将中小企业和高端个人客户作为发展对象,有针对的采取经营策略;其次,应以“一切以客户为中心”创新金融产品、简化业务流程,缩短审批时限,尊重客户体验感。同大型商业银行合作,借助大型商业银行目前日趋完善的电商平台,实现P2P、B2B、B2C等方式的灵活运用;最后,城市商业银行应加强风险管理。获得互联网金融所带来的好处的同时,一定防范其所带来风险,将风险扼杀于摇篮之中。
[Abstract]:The rapid rise of Internet finance has created an epoch-making revolution. Changing the way of life of a generation. The whole financial industry is under strong competitive pressure in this transformation. Especially the business philosophy, business model, product innovation and service model of city commercial banks. City commercial banks must have a deep understanding of the new model of Internet finance, understand the changes that Internet finance brings to people's way of life, understand the unique nature of Internet finance, compare the advantages and disadvantages of the two, and make use of modern science and technology. Adopting the spirit of Internet finance, innovating management constantly, making the city commercial bank itself a new financial institution under the background of the Internet economy, analyzing the development of the city commercial bank from the angle of Internet finance, It is of great significance to explore the impact of Internet finance on urban commercial banks. This paper analyzes and collates the existing relevant documents and finds out the basic situation of City Commercial Bank (Jilin Bank) in practical work. This paper introduces the characteristics of Internet finance and the current development situation at home and abroad, introduces the historical background and development status of urban commercial banks, and analyses the rapid development of Internet finance. The impact and impact of urban commercial banks. The comparative advantages of urban commercial banks are analyzed. The actual impact of Jilin Bank is expounded. In the face of the influence of Internet finance on urban commercial banks, city commercial banks should first change their business philosophy and keep a clear mind. A keen market sense of smell, a correct understanding of the current economic background, which are the target customers of urban commercial banks, small and medium-sized enterprises and high-end individual customers as the development object, have targeted to adopt business strategy; secondly, We should innovate financial products with "all customers as the center", simplify the business process, shorten the examination and approval time limit, and respect the customer experience. In cooperation with the large commercial banks, we should make use of the increasingly perfect e-commerce platform of the large commercial banks. Finally, the city commercial banks should strengthen the risk management and obtain the benefits of Internet finance, at the same time, they must guard against the risks brought by them and strangle the risks in the cradle.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F724.6

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