工商银行互联网金融模式分析

发布时间：2018-04-11 18:54

本文选题：互联网金融 + 电子商务平台　；参考：《山西大学》2015年硕士论文

【摘要】：2013年,我国互联网金融企业如雨后春笋一般,用互联网思维影响和转变着传统金融的经营模式、服务模式和金融业态、金融格局。互联网金融呈现出飞速发展的态势,商业银行为了巩固现有的优势地位,开始积极寻求改变。比如招商银行推出“手机钱包”业务、建设银行开通“善融商务”、工商银行推出“融e购”、中国银行推出“中银易商”战略等。阿里巴巴、腾讯、京东、百度、新浪等互联网企业则开始大力争夺互联网金融这块美味的蛋糕,试图构建自己的金融商业模式。比如阿里巴巴除了余额宝又成立小额贷款公司、腾讯公司打通了连接财付通与微信的通道、百度和网易公司分别推出百度理财和网易理财等。互联网企业踏足到了金融行业,搅动着原有的金融格局,工商银行选择何种模式进行互联网金融的发展成为了关键。本文从金融、互联网金融、大数据的概念开始,到互联网金融的业务类型分析及其国内外发展现状,剖析了工商银行面对互联网金融所面临的存款、支付、融资和信息资源方面的挑战。虽然我国互联网金融来势凶猛,但尚未打破传统的金融格局。因此本文就工商银行现己部署的互联网金融产品进行具体分析,结合国外互联网金融的创新产品,就工商银行互联网金融发展策略提出了自己的观点。
[Abstract]:In 2013, China's Internet financial enterprises have sprung up, using Internet thinking to influence and change the traditional financial management mode, service mode and financial format, financial pattern.Internet finance shows a rapid development situation, commercial banks in order to consolidate the existing advantages, began to actively seek to change.For example, China Merchants Bank launched "mobile wallet" business, China Construction Bank launched "good business", Industrial and Commercial Bank of China launched "E-purchase", Bank of China launched "Bank of China" strategy.Alibaba, Tencent, JingDong, Baidu, Sina and other Internet companies are scrambling for the delicious cake of Internet finance, trying to build their own financial business model.For example, Alibaba also set up a microfinance company in addition to Yu'e Bao. Tencent has opened up a channel linking Tenpay and WeChat, and Baidu and NetEase have launched Baidu Financial Management and NetEase Financial Management respectively.Internet enterprises have stepped into the financial industry, stirring up the original financial structure, which mode ICBC chooses to develop Internet finance has become the key.This paper begins with the concepts of finance, Internet finance and big data, and analyzes the business types of Internet finance and the present situation of its development at home and abroad, and analyzes the deposit and payment faced by ICBC in the face of Internet finance.Challenges in financing and information resourcesAlthough China's Internet finance is ferocious, it has not yet broken the traditional financial pattern.Therefore, this paper makes a concrete analysis of the Internet financial products that ICBC has deployed, and puts forward its own viewpoint on the development strategy of ICBC's Internet finance combined with the innovative products of foreign Internet finance.
【学位授予单位】：山西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.33

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