中国农业银行应对互联网金融挑战的策略研究
发布时间：2018-10-08 18:45
【摘要】：互联网金融是以互联网公司为主导,将互联网、云计算、大数据等信息技术在金融领域进行的整合、运用进而形成的新型金融业态。就互联网金融的实质而言,其根本的现实意义在于金融普惠。随着互联网金融不断发展壮大,其在金融资源配置、资金供需对接方面作用空前,越来越深地触及商业银行核心业务,影响深远,极富挑战性。互联网金融的发展,使得包括农业银行在内的我国商业银行的资金中介地位弱化了,经营理念、服务模式和管理模式受到不同程度冲击,核心主体业务受到较大影响,经营风险也加大。互联网金融产生的“鲶鱼效应”,倒逼农业银行不得不进行转型、创新和变革。本文分析了农业银行相对互联网金融的优劣势,得出农业银行拥有雄厚的资金实力、严格的监管机制、优秀的信用体系和强大的风控能力,其不足之处在于旧经营模式根深蒂固,过度传统业务,缺少互联网思维,数据挖掘能力弱,对中低端客户群服务明显不足等。对照互联网金融的各种挑战,依据农业银行的优势条件和劣势项目,本文有针对性地提出了农业银行应对互联网挑战的策略。通过本文的分析研究,发现了促成互联网金融快速发展的因素,摸清了互联网金融对农业银行等商业银行形成的挑战,掌握了农业银行对互联网金融的优劣势,找到了农业银行的具体应对策略,对于提升农业银行经营管理水平具有一定的现实意义,希望在互联网时代背景下,为农业银行的未来发展及新竞争力形成提供一些思路与方法。
[Abstract]:Internet finance is a new financial form, which is dominated by Internet companies and integrates the Internet, cloud computing, big data and other information technologies in the financial field. As far as the essence of Internet finance is concerned, its fundamental practical significance lies in financial inclusion. With the continuous development of Internet finance, it plays an unprecedented role in the allocation of financial resources, capital supply and demand docking, more and more deeply touch the core business of commercial banks, far-reaching impact, extremely challenging. With the development of Internet finance, the financial intermediary status of commercial banks in China, including the Agricultural Bank of China, has been weakened. The business philosophy, service mode and management mode have been impacted to some extent, and the core business has been greatly affected. Business risks are also increasing. Internet finance produces "catfish effect", force agricultural bank to undertake transformation, innovation and change. This paper analyzes the advantages and disadvantages of Agricultural Bank relative to Internet finance, and draws the conclusion that Agricultural Bank has strong capital strength, strict supervision mechanism, excellent credit system and strong wind control ability. Its shortcomings lie in the deep-rooted old business model, excessive traditional business, lack of Internet thinking, weak ability of data mining, and obvious lack of service to low-end customers. According to the advantages and disadvantages of the Agricultural Bank of China, this paper puts forward the strategies to deal with the challenges of the Internet. Through the analysis and study of this paper, we find out the factors that contribute to the rapid development of Internet finance, find out the challenges that Internet finance brings to commercial banks such as Agricultural Bank, and grasp the advantages and disadvantages of Agricultural Bank to Internet finance. Find out the concrete strategy of agricultural bank, have certain realistic meaning to improve the management level of agricultural bank, hope under the background of Internet times, For the future development of Agricultural Bank and the formation of new competitiveness to provide some ideas and methods.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F724.6
本文编号：2257867
[Abstract]:Internet finance is a new financial form, which is dominated by Internet companies and integrates the Internet, cloud computing, big data and other information technologies in the financial field. As far as the essence of Internet finance is concerned, its fundamental practical significance lies in financial inclusion. With the continuous development of Internet finance, it plays an unprecedented role in the allocation of financial resources, capital supply and demand docking, more and more deeply touch the core business of commercial banks, far-reaching impact, extremely challenging. With the development of Internet finance, the financial intermediary status of commercial banks in China, including the Agricultural Bank of China, has been weakened. The business philosophy, service mode and management mode have been impacted to some extent, and the core business has been greatly affected. Business risks are also increasing. Internet finance produces "catfish effect", force agricultural bank to undertake transformation, innovation and change. This paper analyzes the advantages and disadvantages of Agricultural Bank relative to Internet finance, and draws the conclusion that Agricultural Bank has strong capital strength, strict supervision mechanism, excellent credit system and strong wind control ability. Its shortcomings lie in the deep-rooted old business model, excessive traditional business, lack of Internet thinking, weak ability of data mining, and obvious lack of service to low-end customers. According to the advantages and disadvantages of the Agricultural Bank of China, this paper puts forward the strategies to deal with the challenges of the Internet. Through the analysis and study of this paper, we find out the factors that contribute to the rapid development of Internet finance, find out the challenges that Internet finance brings to commercial banks such as Agricultural Bank, and grasp the advantages and disadvantages of Agricultural Bank to Internet finance. Find out the concrete strategy of agricultural bank, have certain realistic meaning to improve the management level of agricultural bank, hope under the background of Internet times, For the future development of Agricultural Bank and the formation of new competitiveness to provide some ideas and methods.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F724.6
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