互联网金融对商业银行的影响及商业银行对策研究
发布时间：2019-04-04 18:19
【摘要】：近年来,借助于信息技术与互联网技术的快速革新,互联网企业大举进军金融行业并取得了较为显著的成功,诞生了以阿里巴巴为代表的一系列优秀互联网金融企业,并引领了互联网经济的腾飞。在这一背景下,互联网金融在一定程度上影响改变了传统金融业的商业模式,对金融产品的生产、销售与流通赋予了新的含义,并改变了消费者的消费偏好与支付习惯,这又进一步促使传统金融行业所面临的商业环境发生了翻天覆地的变化。可以说,对于传统金融机构、尤其是商业银行而言,互联网金融的挑战是多方面的。许多商业银行立足自身优势,积极在产品、渠道等多个方面采取应对措施,以缓解互联网金融的冲击。本文主要针对性地讨论我国互联网金融对商业银行的影响以及商业银行的应对策略。文章首先在全面总结国内外文献的基础之上,对互联网金融的概念、内涵加以界定;然后对国外互联网金融的产生、特点及发展现状进行介绍,并着重阐述国内互联网金融对商业银行的影响状况;再次,在前文分析的基础之上,利用SWOT分析法,对商业银行的应对策略进行归纳分析;最后,对我国商业银行针对互联网金融影响应对策略的方向进行总结,即把握B端(企业)优势,争夺C端(消费者)市场。
[Abstract]:In recent years, with the help of the rapid innovation of information technology and Internet technology, Internet enterprises have made great strides into the financial industry and achieved relatively remarkable success, and a series of excellent Internet financial enterprises represented by Alibaba were born. And led the rise of the Internet economy. In this context, Internet finance to a certain extent has changed the traditional business model of the financial industry, gave a new meaning to the production, sales and circulation of financial products, and changed consumers' consumption preferences and payment habits. This further prompted the traditional financial industry to face a tremendous change in the business environment. It can be said that for traditional financial institutions, especially commercial banks, the challenges of Internet finance are multifaceted. Based on their own advantages, many commercial banks actively take measures in many aspects, such as products, channels and so on, in order to alleviate the impact of Internet finance. This paper mainly discusses the influence of internet finance on commercial banks and the countermeasures of commercial banks. Firstly, based on a comprehensive summary of domestic and foreign literature, the concept and connotation of Internet finance are defined. Then it introduces the emergence, characteristics and development situation of foreign Internet finance, and emphatically expounds the influence of domestic Internet finance on commercial banks. Thirdly, on the basis of the previous analysis, we use SWOT analysis method to summarize and analyze the coping strategies of commercial banks. Finally, this paper summarizes the strategy direction of China's commercial banks in response to the impact of Internet finance, that is, to seize the advantage of the B-end (enterprise) and compete for the C-end (consumer) market.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33
[Abstract]:In recent years, with the help of the rapid innovation of information technology and Internet technology, Internet enterprises have made great strides into the financial industry and achieved relatively remarkable success, and a series of excellent Internet financial enterprises represented by Alibaba were born. And led the rise of the Internet economy. In this context, Internet finance to a certain extent has changed the traditional business model of the financial industry, gave a new meaning to the production, sales and circulation of financial products, and changed consumers' consumption preferences and payment habits. This further prompted the traditional financial industry to face a tremendous change in the business environment. It can be said that for traditional financial institutions, especially commercial banks, the challenges of Internet finance are multifaceted. Based on their own advantages, many commercial banks actively take measures in many aspects, such as products, channels and so on, in order to alleviate the impact of Internet finance. This paper mainly discusses the influence of internet finance on commercial banks and the countermeasures of commercial banks. Firstly, based on a comprehensive summary of domestic and foreign literature, the concept and connotation of Internet finance are defined. Then it introduces the emergence, characteristics and development situation of foreign Internet finance, and emphatically expounds the influence of domestic Internet finance on commercial banks. Thirdly, on the basis of the previous analysis, we use SWOT analysis method to summarize and analyze the coping strategies of commercial banks. Finally, this paper summarizes the strategy direction of China's commercial banks in response to the impact of Internet finance, that is, to seize the advantage of the B-end (enterprise) and compete for the C-end (consumer) market.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33
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