互联网金融的发展对我国商业银行的影响研究

发布时间：2018-01-04 00:08

  本文关键词：互联网金融的发展对我国商业银行的影响研究　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

  更多相关文章： 互联网金融 商业银行 普惠金融 影响 冲击

【摘要】：近些年来,互联网金融伴随着新互联网科技浪潮,在我国迅速发展起来。电子支付、P2P小额网贷、众筹、互联网基金等创新性金融产品不断涌现。并且在较短的时间内,聚集了大量的用户,形成巨大的资金规模。互联网金融的出现为整个金融领域带来一股新风。在政府的支持和带动下,互联网金融正朝着健康有序的方向蓬勃发展。首先互联网金融的发展引起了金融行业格局的剧烈变化。几年前,互联网企业的互联网金融产品迅速发展,应发了资金转移效应,进而引起了商业银行对自身业务发展的担忧。然后互联网金融的强大竞争力对商业银行造成了不同程度的影响。经过一段时间的观望和学习,部分商业银行已经开始学习互联网金融的经营理念和研发模式,并在逐渐探索和磨合中发展出具有商业银行特色的互联网金融产品。现在,互联网企业的互联网金融产品和商业银行的互联网金融产品都在金融市场中竞争发展。金融市场的竞争越来越激烈。然后在不同的细分金融领域,互联网金融对商业银行的影响是不同的。对于不同的商业银行,面对互联网金融的冲击,所采取的策略和实际做法也是不同的。这带来了不同的效果。而对于未来,互联网金融必将为商业银行所用,商业银行业也会推动着互联网金融进一步的发展。互联网金融的发展,给商业银行带来了巨大的冲击和挑战。不仅是表内表外业务业绩上的变动。还有对服务意识、人才建设、产品设计、科技运用等诸多方面的颠覆。通过学习和发展互联网金融,促进了商业银行服务水平的提升,增加了商业银行金融服务的广泛性和普惠性,强化了商业银行对于实体经济的金融服务职能。提升了我国商业银行的整体竞争力。
[Abstract]:In recent years, along with the new Internet Financial wave of Internet technology, develops rapidly in our country. The micro electronic payment, P2P net loan, to raise the public Internet, funds and other innovative financial products continue to emerge. And in a relatively short period of time, gathered a large number of users, the formation of a huge size of funds. Internet Financial bring a fresh air for the whole financial field. With the support of the government and driven by the Internet banking is developing into a healthy and orderly development of the Internet is booming. First financial caused dramatic changes in financial industry. A few years ago, the Internet business Internet Financial products should be made a rapid development, funds transfer effect. Which is the cause of commercial bank worries about their business development. Then the strong competitiveness of the Internet financial effects on commercial banks. After a period of wait-and-see and Study, some commercial banks have begun to learn internet financial management concept and development model, the development of commercial banks has the characteristic of the Internet financial products and gradually explore and run in. Now, the Internet financial products, Internet companies Internet financial products and commercial banks are the development of competition in the financial market. The financial market and competition more fierce. Then in different segments of the financial sector, the Internet financial impact on commercial banks is different. For different commercial banks, in the face of the financial impact of the Internet, strategies and practices taken is different. This brings different effects. As for the future, the Internet financial will be used for business banks, commercial banks will also promote the further development of the Internet finance. The development of Internet banking, and has brought great impact to the commercial banks Is not only a challenge. In the table sheet business performance changes. The product design and the service consciousness, personnel construction, and many other aspects of the use of the subversion of science and technology. Through the study and development of Internet banking, to promote the service level of the commercial banks, increasing the financial service of commercial banks, broad and inclusive, strengthened for the commercial bank financial service of the real economy. To enhance the overall competitiveness of China's commercial banks.

【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33
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本文编号：1376178