QY农商银行互联网金融发展对策研究

发布时间：2018-01-21 01:28

本文关键词： 农商银行互联网金融发展对策　出处：《广东财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,随着互联网技术、信息通信技术及数据挖据技术不断取得新的突破,互联网与金融业呈现快速融合发展态势。互联网金融的诞生、兴盛,不仅有效推动了金融产品及服务的创新,更有效提升金融资源的配置效率。纵观2013年至2016年,我国互联网金融业态发展先后经历了爆发式增长、乱象风险频发,再逐渐回归到理性发展。互联网金融以其普惠、便捷等特点“颠覆”了传统金融业的发展模式,对传统银行业的存、贷、中间业务产生了极大的冲击及分流作用。尽管如此,回归互联网金融的本质依然是金融,互联网仅作为其技术和渠道载体,并未改变其资金融通的基本功能。互联网金融给传统银行业带来冲击和挑战的同时,也带来了新的发展机遇。银行类金融机构仍然是我国金融系统中不可或缺的组成部分,因此,银行如何适应互联网技术和金融业的加速融合发展趋势,充分把握及利用自身多年积累的经营优势,制定银行业互联网金融发展策略,具有极其重要的研究及实践意义。本文首先对国内外关于互联网金融方面的研究成果进行总结和梳理,明晰互联网金融的定义、特点及总结互联网金融发展模式和趋势,进而分析其对银行产生的影响。再基于上述理论研究,以QY农商银行为研究对象,总结其互联网金融发展历程及现状,深入剖析其在互联网金融发展中存在的问题及问题根源。最后,结合PEST和SWOT分析模型,通过全面分析QY农商银行互联网金融发展环境,制定QY农商银行互联网金融发展对策,提出实施智慧金融策略、业务引领策略、双线延伸策略、场景闭环策略四条发展对策,并据此提出实施发展对策的三大保障措施。本研究对银行类金融机构如何开展互联网金融业务具有一定的理论研究价值,对QY农商银行而言亦具有实践指导意义。同时,这对同类银行机构发展互联网金融业务具有一定的借鉴意义。
[Abstract]:In recent years, with the Internet technology, information and communication technology and data mining technology has made new breakthroughs, the Internet and the financial industry show a rapid convergence development situation, the birth and prosperity of Internet finance. It not only effectively promotes the innovation of financial products and services, but also promotes the allocation efficiency of financial resources more effectively. From 2013 to 2016, the development of Internet financial industry in China has experienced explosive growth. Frequent risk of chaos, then gradually return to rational development. Internet finance with its advantages, convenience and other characteristics of "subversion" of the traditional financial industry development model, to the traditional banking deposits, loans. Intermediary business has had a great impact and diversion. However, the essence of returning to Internet finance is still finance, the Internet is only as its technology and channel carrier. It has not changed its basic function of financing. Internet finance has brought impact and challenge to the traditional banking industry at the same time. Banking financial institutions are still an indispensable part of China's financial system. Therefore, how banks adapt to the rapid integration of Internet technology and financial development trend. Fully grasp and make use of their own accumulated operating advantages over the years to formulate banking Internet financial development strategy. This paper summarizes and combs the research results of Internet finance at home and abroad, and clarifies the definition of Internet finance. This paper summarizes the characteristics and trends of the development of Internet finance, and then analyzes its impact on banks. Then based on the above theoretical research, QY agribusiness bank is taken as the research object. Summarize its Internet finance development history and current situation, deeply analyze its problems and root causes in the development of Internet finance. Finally, combined with PEST and SWOT analysis model. Through a comprehensive analysis of the QY agricultural and commercial bank Internet financial development environment, the formulation of QY agricultural bank Internet financial development strategy, put forward the implementation of intelligent financial strategy, business guidance strategy, two-line extension strategy. This study has certain theoretical value on how to carry out Internet financial business in banking financial institutions. It is also of practical significance to QY agribusiness bank, and it has certain reference significance to the development of Internet financial business of the same banking institution at the same time.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F724.6

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