互联网金融背景下我国传统商业银行的转型研究

发布时间：2018-06-10 09:32

本文选题：互联网金融 + 传统商业银行　；参考：《山东大学》2017年硕士论文

【摘要】：随着互联网与信息技术的成长与变革,互联网金融逐步兴起并以惊人的速度不断发展,渗入到人们生活的各个领域,改变人们的消费行为与消费习惯,从而对传统商业银行带来了一定的影响。在互联网金融大发展的趋势之下,传统商业银行势必要做出转型,实现从传统模式到互联网模式的转变以顺应新时代的发展。本文从互联网金融的特点与发展入手,阐述互联网金融对传统商业银行的影响并提出转型对策。文章共分为五大章节。首先,第一章节是对研究背景与意义、研究内容与方法以及研究的创新与不足进行简要说明,提出研究问题。第二章相关概念及文献综述部分对互联网金融及其两大业务的概念与发展做出详尽阐述与综合概括,同时对国内外关于互联网金融影响以及传统商业银行转型的研究进行归纳。第三章主要由互联网金融的支付与信贷两大业务方面分别分析对商业银行产生的影响,并通过构建结构方程模型来检验互联网金融对传统商业银行的发展产生负向影响。第四章针对这些影响提出传统商业银行的转型对策,一方面是通过内生自我转型,另一方面是通过外生并购进行转型。对比两种转型成本,本文作者认为外生并购的方式转型更高效,从而进一步分析传统商业银行并购转型的对象,应选择已经存在或者正在转到互联网金融业务的连锁经济。第五章是对整篇文章进行概括总结并提出研究展望。对于传统商业银行来说,如何进行转型,从而利用好互联网金融,把握客户日益增长的需求进而成为真正有价值的银行、客户身边的银行才是重中之重。
[Abstract]:With the growth and change of the Internet and information technology, Internet finance is gradually rising and developing at an amazing speed. It has infiltrated into every field of people's life, changes people's consumption behavior and consumption habits, and has brought a certain influence on the traditional commercial banks. It is necessary to make a transition from the traditional model to the Internet mode to adapt to the development of the new era. This paper, starting with the characteristics and development of Internet finance, expounds the influence of Internet Finance on the traditional commercial banks and puts forward the countermeasures. The article is divided into five chapters. First, the first chapter is the background and meaning of the research. In the second chapter, the concept and development of the Internet Finance and its two major businesses are elaborated and summarized in detail. At the same time, the influence of the Internet Finance on the Internet and the transformation of the traditional commercial banks are also given. The third chapter mainly analyzes the impact on commercial banks from the two major aspects of the Internet financial payment and credit, and examines the negative impact of Internet Finance on the development of traditional commercial banks through the construction of structural equation model. The fourth chapter puts forward the transfer of traditional commercial banks to these effects. On the one hand, on the one hand, it is through endogenous self transformation, on the other hand, through external mergers and acquisitions. Comparing the two kinds of transition costs, the author believes that the transformation of foreign mergers and acquisitions is more efficient, and further analyzes the object of the transformation of traditional commercial banks, and should choose existing or transfer to the Internet financial business. The fifth chapter is the summary of the whole article and the prospect of the research. For the traditional commercial banks, how to make the transformation, so as to make use of the Internet finance, grasp the increasing demand of the customer and become the real valuable bank, the bank around the customer is the most important.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33

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