重庆农村商业银行移动金融业务发展对策研究

发布时间：2018-01-23 00:18

本文关键词： 重庆农村商业银行移动金融发展战略　出处：《重庆师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着移动互联网技术的飞速发展,智能移动终端的快速普及,金融消费者越来越希望能够通过手上的移动设备来满足更多的金融服务需求,于是移动支付、互联网金融相继出现,有效满足了消费者的需求。同时,这些创新和变化也在改变着金融行业的服务模式,演变出了全新的移动金融。本文认为,移动金融是使用移动智能终端通过无线互联网技术进行金融管理的金融产品服务。它突破了传统金融服务在空间和时间上的限制,使人们可以随时随地享受优质高效的金融服务,市场需求十分巨大,因此,移动金融是金融业未来发展的必然趋势。目前我国移动金融尚处于起步阶段,各类产品都是以移动支付为主,在这方面支付宝和微信支付等第三方支付机构占据了主要市场,移动通信运营商借助其庞大的用户群体也占据了一席之地。同时随着互联网金融与移动终端的加速融合不断催生出大量新型金融业务需求,商业银行已不再是客户办理存款、贷款、结算业务的唯一途径,这对商业银行在移动金融环境下的客户营销、交易操作、业务发展、风控管理模式等都提出了新的要求和挑战。现阶段我国农村金融机构改革步伐加快,本文之所以选择重庆农村商业银行作为研究对象,也是因为该行是重庆本土的银行,在重庆地区物理网点覆盖范围最广、从业人员最多、资产规模最大,是我国首家上市的农村商业银行。在传统金融领域具有无可比拟的优势,但是这些优势在移动金融时代已经被弱化,在一定程度上甚至会转化为劣势。研究该行应对移动金融的发展战略,对于区域性商业银行具有一定的理论和实践意义。本文正是在此背景下,从银行的角度出发,通过科学的研究方法和思路,归纳总结了移动金融的内涵、梳理了其发展背景和框架,分析了其发展现状以及对商业银行的影响,最后懫用SWOT模型分析了重庆农村商业银行在移动金融环境下的优势和劣势、机遇和挑战,提出了相应的发展战略,希望为重庆农村商业银行应对移动金融的发展提供一些参考。
[Abstract]:With the rapid development of mobile Internet technology and the rapid popularity of smart mobile terminals, financial consumers increasingly hope to meet more financial service needs through mobile devices, so mobile payment. Internet finance has emerged one after another, effectively meet the needs of consumers. At the same time, these innovations and changes are also changing the service model of the financial industry, evolving a new mobile finance. Mobile finance is a kind of financial product service which uses mobile intelligent terminal to manage finance through wireless Internet technology. It breaks through the limitation of traditional financial service in space and time. So that people can enjoy high-quality and efficient financial services anytime, anywhere, the market demand is very huge, therefore, mobile finance is the inevitable trend of the future development of the financial industry. At present, mobile finance in China is still in its infancy. All kinds of products are based on mobile payment, in which third-party payment organizations such as Alipay and WeChat Pay occupy the main market. With the help of its huge user group, mobile communication operators have also occupied a place. At the same time, with the rapid integration of Internet finance and mobile terminals, a large number of new financial business needs have been created. Commercial banks are no longer the only way for customers to handle deposits, loans and settlement, which is the only way for commercial banks to develop their customers' marketing, trading operations and business development in the mobile financial environment. Risk control management mode has put forward new requirements and challenges. At this stage, the pace of rural financial institutions reform in China has accelerated, the reason why this paper chose Chongqing Rural Commercial Bank as the research object. It is also because the bank is a local bank in Chongqing, the physical network in Chongqing has the most extensive coverage, the largest number of employees, the largest asset size. It is the first rural commercial bank listed in China. It has unparalleled advantages in the traditional financial field, but these advantages have been weakened in the era of mobile finance. To a certain extent, it will even be transformed into a disadvantage. To study the development strategy of the bank to deal with mobile finance has certain theoretical and practical significance for regional commercial banks. From the perspective of banks, through scientific research methods and ideas, summarized the connotation of mobile finance, combed its development background and framework, analyzed its development status and the impact on commercial banks. Finally, using SWOT model to analyze the advantages and disadvantages, opportunities and challenges of Chongqing Rural Commercial Bank in the mobile financial environment, and put forward the corresponding development strategy. Hope to provide some reference for Chongqing Rural Commercial Bank to deal with the development of mobile finance.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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