互联网金融对泉州银行的影响及对策研究

发布时间：2018-01-12 10:32

本文关键词：互联网金融对泉州银行的影响及对策研究　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：以第三方支付、P2P、互联网基金、众筹融资等为标志的互联网金融正在迅速发展,2015年我国在互联网模式下的第三方支付交易额达到12万亿元,比上年同期增长46.9%,网络借贷业务量激增,行业交易规模约为8800亿元、用户数逼近4000万人,阿里小贷推出的小额信贷业务量激增,互联网金融的迅速兴起给银行业带来很大影响,一步步改变金融消费者的服务需求,改变其消费习惯,进而对银行现有的经营管理造成一定冲击,未来会有更加广阔的发展空间,这一背景下中小商业银行应如何顺势而为,积极发力互联网金融,实现持续发展十分值得研究。对泉州银行的发展来说,互联网金融的兴起存在有利的一面,为其和银行同业竞争提供了很好的机会。如果能够抓住这一契机,改变旧有经营理念,改变旧有管理模式,推进金融服务的创新,推进新兴业务的发展,就能形成同业不具备的优势之处。本文在分析我国互联网金融发展现状的基础上,分析互联网金融不同业态对泉州银行的影响,深入分析泉州银行发展互联网金融业务的可行之处,虽然新形势下面临经济下行、金融脱媒等诸多挑战,但同时在优化内部管理、改善客户服务等也面临新契机,泉州银行应利用自身优势并借鉴相关银行经验,通过明确战略定位、扩展经营渠道、加强产品创新、拓展中间业务、再造业务流程、推进信息化建设、提升风控能力等对策,坦然应对互联网金融时代的来临,从而促进自身的可持续发展。
[Abstract]:The third party payment, P2P, Internet Fund, financing the public finance is the symbol of the Internet is developing rapidly, China in 2015 on the Internet under the mode of the third party payment transaction volume reached 12 trillion yuan, up 46.9% over the previous year, net lending surge in the volume of business, the industry trade scale is about 880 billion yuan, nearly 40 million users the number of micro credit business of small loans Ali launched surge, the rapid rise of Internet financial industry has brought great influence to the bank, a step change in the financial consumer demand for services, change their consumption habits, and have a certain impact on the bank's existing management, the future will have more broad space for development, the small and medium-sized commercial banks under the background of how to take advantage of the positive force Internet banking, to achieve sustainable development is worth studying. On the development of the Bank of Quanzhou, there is the rise of Internet Banking Advantageously, provide a good opportunity for the interbank competition. And if we can seize this opportunity to change the old management idea, change traditional management mode, promote the innovation of financial services, to promote the development of new business, can not have the advantages of forming industry. Based on the analysis of the current situation of the development of the Internet financial in China, analysis of different formats of Internet financial impact on the Bank of Quanzhou, in-depth analysis of feasibility of the development of Internet banking services of the Bank of Quanzhou, although the economic downturn faced under the new situation, the challenges of financial disintermediation, but at the same time to optimize the internal management, improve customer service is also facing new opportunities, Quanzhou bank should use its advantages and from the relevant banking experience, through a clear strategic positioning, expanding business channels, enhance product innovation, expand the intermediate business, business process reengineering, promote informatization Construction, improve the ability of wind control and other countermeasures to deal with the advent of the Internet financial era, so as to promote the sustainable development of its own.

【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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