互联网金融对我国商业银行主要零售业务的影响研究

发布时间：2018-01-13 18:12

本文关键词：互联网金融对我国商业银行主要零售业务的影响研究　出处：《华东师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：当前,互联网金融凭借强大的创新力量改变着人们日常支付、融资、投资的习惯。依托电子商务平台,借助大数据、云计算、社交网络和移动互联等全新技术,以互联网支付、互联网融资、互联网投资为主要内容的互联网金融新模式将服务触角逐步延伸至传统商业银行的主要零售业务领域,打破了传统金融行业的业务边界,扰动了行业竞争格局。本文通过研究国内互联网金融发展的过程,梳理出目前互联网金融的主要形态,并从技术、思维、模式三个角度分析了互联网金融崛起的原因,揭示出互联网金融的本质和特征。随后,结合互联网金融与商业银行的业务实践,重点对互联网金融影响商业银行支付、资产负债、资产管理等主要零售业务的机理进行了分析。在此基础上,本文运用实证分析方法,对互联网金融对商业银行零售业务的具体影响及程度进行了研究,发现互联网金融对商业银行零售业务的替代效应主要体现在融资业务方面,而在支付及资产管理方面则呈现一定的溢出效应,并对这种造成这种现象的原因进行了分析。最后,本文有针对性地提出了商业银行主要零售业务应对互联网金融的创新思路。作者认为,商业银行应当借鉴互联网金融思维推动经营转型,不断提升零售业务产品与服务的质量。
[Abstract]:At present, Internet finance is changing people's daily payment, financing and investment habits with powerful innovative power. Relying on e-commerce platform, with the help of big data, cloud computing, social networks and mobile connectivity and other new technologies. With Internet payment, Internet financing, Internet investment as the main content of Internet finance, the new model of Internet finance will gradually extend the service tentacles to the main retail business of traditional commercial banks. Break the business boundary of the traditional financial industry, disturb the competition pattern of the industry. This paper studies the process of the development of domestic Internet finance, combing out the main forms of Internet finance, and thinking from the technology. This paper analyzes the reasons of the rise of Internet finance from three angles, and reveals the essence and characteristics of Internet finance. Then, it combines the business practice of Internet finance with commercial banks. On the basis of analyzing the mechanism of commercial bank payment, asset liability, asset management and other major retail business affected by Internet finance, this paper uses the empirical analysis method. This paper studies the impact and extent of Internet finance on commercial bank retail business, and finds that the substitution effect of Internet finance on commercial bank retail business is mainly reflected in financing business. But in the payment and the asset management aspect presents the certain spillover effect, and has carried on the analysis to this kind of phenomenon cause reason. Finally. In this paper, the author puts forward the innovative thinking of the main retail business of commercial banks to deal with Internet finance. The author thinks that commercial banks should use the thinking of Internet finance for reference to promote the operation transformation. Improve the quality of retail products and services.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

【参考文献】