网络金融对商业银行业务经营影响研究

发布时间：2018-05-05 00:40

本文选题：网络金融 + 商业银行　；参考：《安徽大学》2015年硕士论文

【摘要】：网络金融兴起于2012年,发展到2015年今天已经进入发展的高潮。在此期间,对网络金融的讨论持续热闹。余额宝、微信红包等网络理财类产品的出现更是引发大众对网络金融的热情关注,其中的重点关注对象就是网络金融对商业银行的影响有多少。对于此现象,有人惊呼“银行已成为弱势群体”,认为网络金融让商业银行存款“失水”,对以“占山收钱”的商业银行的业务经营有了很大的打击。也有正统的的声音认为网络金融更多地是引发商业银行自身变革的一种外在力量,促进我国利率市场化下的商业银行转型。随着中国人民银行和各类商业银行不断引进和发展现代银行支付系统与系统之间的网络互联,在大多数城市银行也更新了本地结算系统应用系统,储蓄存款和取款系统,银行系统,银行服务企业系统,银行卡处理系统。通过增加金融体系的传统金融服务和网上金融服务不断完善的技能,这也有易宏观金融管理和国家金融监督管理,到现在为止,金融网络越来越普遍,这种情况已经初步形成。网络金融独特的运作改变了传统金融机构模式,降低了交易成本,同时对金融服务效率也有很大的提高,也强调了金融机构的重要地位。尽管在线金融带来不可预测的风险,但在同一时间,它是更经济利益惊人的。因此,银行,中小企业的金融网络面对应积极采取措施,以适应这一趋势,为更好的长期发展的必由之路。此外,近年来,中国人民银行和各类商业银行不断引进和发展现代银行支付系统与系统之间的网络互联,在大多数城市银行也更新了本地结算系统应用系统,储蓄存款和取款系统,银行系统,银行服务企业系统,银行卡处理系统。通过增加金融体系的传统金融服务和网上金融服务不断完善的技能,这也有益宏观金融管理和国家金融监督管理,到现在为止,金融网络越来越普遍,这种情况已经初步形成。网络金融独特的运作改变了传统金融机构模式,降低了交易成本,同时对金融服务效率也有很大的提高,也强调了金融机构的重要地位。尽管在线金融带来不可预测的风险,但在同一时间,它是更经济利益惊人的。因此,银行,中小企业的金融网络面对应积极采取措施,以适应这一趋势,为更好的长期发展的必由之路。至今,发展中的网络金融已步步成为国内金融业的主要形式,对我国的成果管理与发展金融业的现代化和水平提高国际竞争力起着至关重要的作用。此外,持续的技术发展,以“支付宝”,“余额宝”,“人人贷”等新形式的网络金融发展飞速,运行两年多的余额宝,目前的存款超过了7117.24亿元,超过1.49亿用户,有超过6%的理财收益率。2014年P2P有超过3829亿元,是2013年的2.39倍。正是在这一背景下,本文对网络金融对商业银行业务经营的影响展开分析。本文从研究网络金融的内涵入手,并对我国网络金融的发展模式及现状进行了研究,同时,对比研究了我国网络金融与传统商业银行优势的比较。在此基础上,本文以商业银行资产负债规模、经营利润、流动性水平和资产质量四个方面详细研究分析网络金融对商业银行业务经营的影响研究,对网络金融的不同发展模式对传统商业银行的影响研究进行讨论分析。通过分析,本文认为,网络金融的不同发展模式主要通过影响商业银行的利差收入和银行的表外业务收入来影响商业银行的业务经营规模。其中,余额宝平台、网络支付结算平台和网络理财平台是对传统商业银行影响较大的。最后,本文通过研究四个方面的当前下网络金融的业务模式上的竞争情形,从商业银行业务经营的通道业务、融资的形成和投资理财等方面给出了相应对策。得出金融网络和网络金融不是同一概念,网络金融和商业银行有不同的营业模式,与网络金融相比较,商业银行在通道类业务和投资理财类业务创新的竞争中处于不利地位,对于不同的业务类型商,商业银行应扬长避短,并寻找机会与该领域网络金融合作。
[Abstract]:The emergence of network finance in 2012, developed to the climax of development in 2015. During this period, the discussion of network finance continued to be busy. The emergence of net finance products such as the balance treasure, WeChat red packet and other network financial products caused the public to pay more attention to the network finance, and the focus of attention is the shadow of network finance to commercial banks. For this phenomenon, some people say "the bank has become a weak group". It thinks that the Internet finance has made commercial banks lose their water and has a great blow to the business operation of the commercial banks that take the "account for money". In order to promote the transformation of commercial banks under the interest rate marketization of China, as the people's Bank of China and various commercial banks continue to introduce and develop the network interconnection between the modern bank payment system and the system, the local settlement system application system is also updated in most urban banks, savings deposits and withdrawal systems, banking systems, banks Service enterprise system, bank card processing system. Through increasing the skills of improving the traditional financial services and online financial services in the financial system, it is also easy to manage macro financial management and national financial supervision. So far, the financial network is becoming more and more common. This situation has been initially formed. The unique operation of the network finance has changed. The traditional financial institutions have reduced the transaction costs and also greatly improved the efficiency of financial services. It also emphasizes the importance of financial institutions. Although online finance brings unpredictable risks, it is more economic benefits at the same time. Therefore, Bank of banking, the financial network of small and medium-sized enterprises should take active measures. In addition, in recent years, the people's Bank of China and all kinds of commercial banks have continuously introduced and developed the network interconnection between the modern bank payment system and the system. In most urban banks, the application system of the local calculation system, the savings deposit and the withdrawal system, the bank are also updated in most urban banks. System, banking service enterprise system, bank card processing system. Through increasing the skills of improving the traditional financial services and online financial services in the financial system, it is also beneficial to macro financial management and national financial supervision and management. By now, the financial network is becoming more and more common. This situation has been initially formed. The traditional financial institutions have changed the mode of the financial institutions, reduced the transaction costs, and also greatly improved the efficiency of financial services. It also emphasized the importance of the financial institutions. Although the online finance brings unpredictable risks, it is more economical at the same time. Therefore, the financial network of the banks and small and medium-sized enterprises should face the product. So far, the developing network finance has become the main form of the domestic financial industry. It plays a vital role in the achievement management and the development of the financial industry in the modernization and level of the international competitiveness. "Alipay", "balance of treasure", "peer-to-peer lending" and other new forms of network financial rapid development, the balance of treasure run more than two years, the current deposit more than 711 billion 724 million yuan, more than 149 million users, more than 6% rate of return financial years.2014 P2P has more than 382 billion 900 million yuan, is 2.39 times that of 2013. It is under this background, this paper focuses on the network of gold On the basis of studying the connotation of the network finance, this paper studies the development mode and present situation of China's network finance, and compares the comparative advantages of China's network finance with the traditional commercial banks. On this basis, this paper is based on the scale of commercial banks' assets and liabilities. Four aspects of profit, liquidity level and asset quality are studied and analyzed in detail, and the influence of Network Finance on business operation of commercial banks is studied. The influence of different development modes of Network Finance on traditional commercial banks is discussed and analyzed. The profit margin of the bank and the income of the bank's off balance sheet business affect the business operation scale of the commercial banks. Among them, the Yu Ebao platform, the network payment and settlement platform and the network financial platform have great influence on the traditional commercial banks. Finally, this paper studies the competitive situation in the business model of the current network finance in four aspects. The channel business of commercial banks, the formation of financing and the investment and financial management have given the corresponding countermeasures. It is concluded that the financial network and the network finance are not the same concept, the network finance and the commercial banks have different business models. Compared with the network finance, the commercial banks compete in the channel business and the investment and financial management innovation. In a disadvantageous position, commercial banks should take advantages and avoid disadvantages for different business types and look for opportunities to cooperate with network finance in this field.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6

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