ZS银行发展互联网金融业务研究

发布时间：2018-03-13 19:01

本文选题：互联网金融　切入点：ZS银行　出处：《山东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,互联网加速向各行业、各领域渗透融合,为互联网金融业务发展提供了广阔空间,大批互联网企业纷纷涉水互联网金融业务,对各类传统金融业务产生了较大的冲击,其中受影响最大的就是商业银行。各大银行通过推出类余额宝产品、完善网上银行及手机银行功能、打造自身电商平台等举措不断在互联网金融领域寻求突破,加快了商业银行业务发展数字化和网络化的进程。而且,当前中国正不断践行“普惠金融”理念,商业银行如何应对“普惠金融”所带来的机遇和挑战实现“长尾效应”已迫在眉睫。商业银行发展互联网金融业务已属大势所趋,在此背景下,作者选取在互联网金融业务发展方面处于行业领先水平的ZS银行作为研究对象具有较强的现实意义。本文综合运用了文献归纳法、PEST分析、五力模型、SWOT分析等分析方法,从金融模式、金融中介、互联网金融业务风险及监管等角度对国内外文献研究进行了总结;从网络金融、移动金融、远程金融、智慧金融四大领域对ZS银行互联网金融业务发展现状进行了分析;从政治和法律环境、经济环境、社会和文化环境、技术环境四个方面对宏观环境进行了PEST分析;对产业环境从产业内现有企业的竞争等五个方面进行了五力模型分析;在分析的基础上对ZS银行发展互联网金融业务的内部优劣势及外部机遇和挑战进行了总结;随后构建SWOT分析矩阵,在此基础上总结出“积极建立客户、系统、产品三位一体的在线供应链融资体系”、“创新大数据分析提升风控水平”等适合ZS银行互联网金融业务发展的策略,对ZS银行互联网金融领域业务发展有一定的指导意义。
[Abstract]:In recent years, the Internet has accelerated the integration of various industries and fields, which has provided a broad space for the development of Internet financial business. A large number of Internet enterprises have waded into Internet financial business, which has had a great impact on all kinds of traditional financial business. Among them, commercial banks are the most affected. By introducing Yu'e Bao products, improving the functions of online banking and mobile banking, and building their own e-commerce platforms, major banks are constantly seeking breakthroughs in the field of Internet finance. It has accelerated the process of digitizing and networking the business of commercial banks. Moreover, at present, China is constantly practicing the concept of "inclusive finance". It is urgent for commercial banks to deal with the opportunities and challenges brought about by "inclusive finance" and realize the "long tail effect". It is a general trend for commercial banks to develop their financial services on the Internet. It is of great practical significance to select ZS Bank, which is in the leading position in the development of Internet financial business, as the object of study. In this paper, the author makes use of the methods of literature induction analysis, SWOT analysis and so on. From the financial model, financial intermediary, Internet financial business risk and supervision and other aspects of domestic and foreign literature are summarized, from the network finance, mobile finance, long-distance finance, This paper analyzes the current situation of the development of Internet financial business of ZS bank in four major fields of intelligent finance, including political and legal environment, economic environment, social and cultural environment, technological environment, and makes PEST analysis on the macro environment. This paper analyzes the industrial environment from five aspects, such as the competition of the existing enterprises in the industry, summarizes the internal advantages and disadvantages and the external opportunities and challenges of the development of the Internet financial business of ZS bank on the basis of the analysis. Then the SWOT analysis matrix is constructed, and on the basis of this, the author concludes that "actively establishing customer, system, Product trinity of online supply chain financing system "," innovative big data analysis to improve the level of risk control "suitable for ZS bank Internet financial business development strategy, ZS bank Internet finance business development has certain guiding significance.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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