互联网金融对商业银行盈利模式的影响研究

发布时间：2018-04-09 06:42

本文选题：互联网金融　切入点：商业银行　出处：《西安建筑科技大学》2017年硕士论文

【摘要】：以互联网为代表的信息通讯技术的出现在快速且深刻的改变着世界,大到国家经济的发展格局,小到每个人的日常工作生活。互联网的影响力已经渗透到了社会的各个领域,金融就是近年因受互联网冲击而备受关注的行业之一。所有秉承着“开放、平等、协作、分享”的互联网精神的企业从不同的角度切入金融服务,依靠现代科技以及高效、便捷、低成本等优势,走上不同的发展道路,开辟出属于自己的空间。互联网金融的诸多优点决定了其对传统银行会造成不可避免的影响,这种影响是双向的:虽然冲击了商业银行的业务,却也为商业银行的长远发展提供了良好契机。在中国互联网金融展现出无限成长力的背景下,本文将其对商业银行盈利模式的影响作为研究的目标,以互联网金融的相关理论为起始点,阐明了互联网金融的概念、业务模式和本质,同时对商业银行盈利模式进行了界定。在此基础上,规范性地分析了互联网金融三大业务模式对商业银行中间业务、存款和贷款业务的可能影响,并以数据佐证其影响。最后,本文运用敏感性分析方法实证分析了互联网金融各业务模式对商业银行净利润的影响程度和影响趋势。通过理论分析、数据分析和实证分析,根据研究结果,为商业银行应对互联网金融的冲击提出了相应的对策建议,从而实现商业银行的可持续性发展。本文认为,互联网金融的三大业务模式主要通过减少商业银行的手续费收入以及增加利息费用来影响商业银行当前的获利水平,并且这种影响从长期看会更加深远。
[Abstract]:The emergence of information and communication technology, represented by the Internet, is changing the world rapidly and profoundly, from the development pattern of national economy to the daily work and life of everyone.The influence of the Internet has penetrated into all fields of society. Finance is one of the industries that have been paid close attention to because of the impact of the Internet in recent years.All enterprises adhering to the spirit of "openness, equality, cooperation and sharing" from different angles cut into financial services, relying on modern science and technology and the advantages of efficiency, convenience, low cost, etc., to take different development paths.Open up your own space.The advantages of Internet finance determine its inevitable impact on traditional banks, which is two-way: although it impacts the business of commercial banks, it also provides a good opportunity for the long-term development of commercial banks.Under the background of Chinese Internet finance showing unlimited growth power, this paper regards its influence on commercial bank's profit model as the goal of research, taking the related theory of Internet finance as the starting point, and clarifies the concept of Internet finance.Business model and essence, at the same time the commercial bank profit model is defined.On this basis, the paper analyzes the possible impact of the three business models of Internet finance on the intermediate business, deposit and loan business of commercial banks, and proves its influence with data.Finally, this paper empirically analyzes the influence degree and trend of each business model of Internet finance on the net profit of commercial banks by using sensitivity analysis method.Through theoretical analysis, data analysis and empirical analysis, according to the results of the research, this paper puts forward corresponding countermeasures and suggestions for commercial banks to deal with the impact of Internet finance, so as to realize the sustainable development of commercial banks.This paper argues that the three major business models of Internet finance mainly affect the current profit level of commercial banks by reducing the handling income of commercial banks and increasing interest charges, and this effect will be more far-reaching in the long run.
【学位授予单位】：西安建筑科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33;F830.42

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