我国互联网金融的崛起及对传统金融的影响

发布时间：2018-01-25 22:47

本文关键词： 传统金融互联网金融影响融合发展　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：近几年来,随着社交媒体、大数据、云计算、移动互联等技术创新的迅猛发展,第三方支付、网络信贷、互联网理财等互联网金融产业凭借其丰富多样的亲民化、个性化产品迎合了普通民众的金融需求,在我国迅速崛起,成为一种新兴的金融业态。这种新型金融业态不仅降低了交易成本,提高了资金融通效率,扩展了金融服务范围,还整体扩大了原有金融格局。互联网金融的迅速崛起,给整个金融产业带来了深刻的震动,不仅对传统金融产生了冲击和影响,而且,互联网金融迅猛发展产生的各种风险和问题,也亟待解决。本文分析了互联网金融迅速崛起的背景、发展现状和存在的风险与问题,以及国外互联网金融的成熟经验,探讨了互联网金融与传统金融各自的特点与优势,认为,互联网金融具有成本低、平台广、数据多、体验好等优势,传统金融的优势在于有更好的客户基础、更多的网点布局、更充足的资源配置、更完善的风险管理架构等,现阶段互联网金融与传统金融有相对明确的擅长领域和细分市场。互联网金融的崛起更多的是对原有传统金融业务的补充,二者有诸多可相互学习借鉴之处。并借鉴国外发展经验,结合国内现状,就互联网金融的风险防范、与传统金融相容发展等提出了相应的对策建议。
[Abstract]:In recent years, with the rapid development of social media, big data, cloud computing, mobile Internet and other technology innovation, third-party payments, online credit. Internet financial industry, such as Internet financing, with its rich and diverse pro-people, personalized products to meet the financial needs of ordinary people, in China's rapid rise. This new financial format not only reduces transaction costs, improves the efficiency of financing, but also expands the scope of financial services. The rapid rise of Internet finance has brought a profound shock to the entire financial industry, not only the impact and impact on traditional finance, but also. All kinds of risks and problems arising from the rapid development of Internet finance also need to be solved. This paper analyzes the background, development status and existing risks and problems of the rapid rise of Internet finance. As well as the mature experience of foreign Internet finance, this paper discusses the characteristics and advantages of Internet finance and traditional finance, and thinks that Internet finance has the advantages of low cost, wide platform, more data, good experience and so on. The advantages of traditional finance lie in better customer base, more network layout, more adequate resource allocation, more perfect risk management framework and so on. At this stage, Internet finance and traditional finance have relatively clear areas of expertise and segmentation of the market. The rise of Internet finance is more to supplement the original traditional financial business. They can learn from each other and draw lessons from the experience of foreign countries, combined with the domestic situation, and put forward the corresponding countermeasures and suggestions on the risk prevention of Internet finance and the compatible development with traditional finance.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

【参考文献】