互联网金融人才结构化及其特征研究

发布时间：2018-03-09 10:43

本文选题：互联网金融　切入点：业务流程　出处：《河北大学》2015年硕士论文　论文类型：学位论文

【摘要】：近五年来金融领域新兴起互联网金融,其凭借大数据、平台开发等互联网技术和分享、开放、普惠等互联网精神获得快速发展,推进了我国金融改革的进程,强化了金融服务于经济的功能,影响了人们生活中支付、理财、创业等的实现方式。基于互联网对各个行业一贯的革新性和国内特殊的金融环境,互联网金融的发展有其原动力和广阔前景。一方面是互联网金融的迅猛发展和良好预期,另一方面却是发展进程中企业的良莠不齐和人才的缺乏等种种问题。鉴于此,本文对互联网金融领域所需人才及人才特征进行研究,得出人才结构图,目的在于对互联网金融未来的人才建设提供一定指导。本文通过文献梳理和案例分析,首先界定了互联网金融的概念,认为互联网金融是一个时代,并对国内外互联网金融的发展史进行了梳理;其次在十三类互联网金融模式中重点选取了其中六类典型模式,分别是第三方支付、基金网销、互联网保险、大数据贷款、P2P贷款、众筹,并一一结合案例(支付宝、余额宝、众安在线、蚂蚁微贷、众筹网)对各个模式的业务流程进行分解;最后根据业务流程得出互联网金融所需人才,画出人才结构图。此外,鉴于网络银行模式尚未成熟但十分重要,在展望部分亦进行了粗浅分析。
[Abstract]:In the past five years, Internet finance has newly emerged in the financial field. It has developed rapidly with the help of Internet technologies such as big data, platform development, and other Internet technologies, such as sharing, opening up, and universal access, which has pushed forward the process of financial reform in our country. It strengthens the function of financial services to the economy, and affects the ways to realize payment, finance and entrepreneurship in people's lives. Based on the constant innovation of the Internet to various industries and the special domestic financial environment, The development of Internet finance has its motive force and broad prospect. On the one hand, it is the rapid development and good expectation of Internet finance, on the other hand, it is all sorts of problems such as the intermingling of enterprises and the lack of talents in the process of development. This paper studies the talents and their characteristics in the field of Internet finance, and draws the talent structure chart, which aims at providing some guidance for the construction of talents in the future of Internet finance. Firstly, this paper defines the concept of Internet finance, thinks that Internet finance is an era, and combs the history of the development of Internet finance at home and abroad. Secondly, it selects six typical models among the 13 types of Internet finance models. They are third-party payment, fund net sale, Internet insurance, big data loan P2P loan, crowdfunding, and one by one combined with cases (Alipay, Yu'e Bao, Chung an online, ant micro-loan, crowdfunding network) to decompose the business process of each model; Finally, according to the business process, the talent needed by Internet finance is obtained, and the talent structure diagram is drawn. In addition, in view of the immature but very important network banking model, this paper also makes a brief analysis in the outlook part.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832;C964.2

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