互联网金融对工商银行经营的影响及对策研究

发布时间：2018-04-25 22:09

本文选题：互联网金融 + 安全性　；参考：《华北电力大学(北京)》2017年硕士论文

【摘要】：互联网技术的迅速发展催生了网上银行、支付宝、余额宝等新的金融发展模式。互联网金融的崛起借助信息技术的高速发展迅速在市场上占据有利地位。互联网金融一方面在促进金融业蓬勃发展的同时,另一方面也对以商业银行为代表的传统金融业造成了冲击,主要体现在改变用户消费习惯、冲击商业银行传统存取款业务等。探讨互联网金融对我国商业银行等传统金融行业带来的影响,研究商业银行面对互联网金融的冲击应该采取的对策,将有助于我国商业银行在互联网金融猛烈的攻势下寻找适合自身发展的经营方式。论文首先在第二章中给出互联网金融的具体概念、类型以及交易成本低、以大数据技术为支撑等特点,并对国内外互联网金融发展的特点、经验进行了总结,由其是我国当前互联网金融发展面临的诸多问题。第三章以中国工商银行为代表,从工商银行经营的社会、政治、经济和技术环境定性分析了互联网金融对工商银行经营的安全性、盈利性、流动性的影响,并通过定量的计算和实证分析,发现互联网金融的发展对工商银行的安全性具有显著的抑制作用,对工商银行的盈利发展有一定的积极作用,在一定程度上对工商银行流动性带来了负面影响。第四章针对上述影响,首先研究了其他商业银行,如招商银行和兴业银行在应对互联网金融时所采取的对策,然后论述工商银行信息化建设进程,为自身应对互联网金融冲击提供技术支撑,以工商银行推出的“微信银行”为例,分析其发展的优劣势,在此基础上提出了工商银行应对互联网金融在其安全性、盈利性和流动性的应对策略和进一步构建金融生态圈的策略建议。
[Abstract]:The rapid development of Internet technology has given birth to new financial development models such as online banking, Alipay and Yu'e Bao. The rise of Internet finance with the help of the rapid development of information technology quickly occupies a favorable position in the market. On the one hand, Internet finance promotes the flourishing development of the financial industry, on the other hand, it also impacts the traditional financial industry represented by commercial banks, which is mainly reflected in changing the consumer's consumption habits and impacting the traditional deposit and withdrawal business of commercial banks and so on. This paper discusses the impact of Internet finance on traditional financial industries such as commercial banks in China, and studies the countermeasures that commercial banks should take in the face of the impact of Internet finance. It will help our commercial banks to find suitable management mode for their own development under the fierce offensive of Internet finance. In the second chapter, the paper first gives the specific concepts, types and low transaction costs of Internet finance, supported by big data technology, and summarizes the characteristics and experiences of the development of Internet finance at home and abroad. It is the current development of Internet finance in China to face many problems. The third chapter, represented by ICBC, qualitatively analyzes the impact of Internet finance on the security, profitability and liquidity of ICBC from the social, political, economic and technological environment in which ICBC operates. Through quantitative calculation and empirical analysis, it is found that the development of Internet finance has a significant inhibitory effect on the security of ICBC, and has a positive effect on ICBC's profit development. To some extent, ICBC liquidity has a negative impact. The fourth chapter studies the countermeasures taken by other commercial banks, such as China Merchants Bank and Industrial Bank, to deal with the Internet finance, and then discusses the process of ICBC informatization construction. In order to provide technical support for its own response to Internet financial shock, taking the WeChat Bank launched by ICBC as an example, this paper analyzes the advantages and disadvantages of its development, and puts forward that ICBC should deal with the security of Internet finance. Profit-making and liquidity response strategies and further construction of the financial ecosystem of strategic recommendations.
【学位授予单位】：华北电力大学(北京)
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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