互联网金融对HN邮储分行传统业务的影响及对策研究

发布时间：2018-01-28 03:12

本文关键词： 互联网金融 HN邮储分行传统业务　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,伴随着信息技术的快速发展,"互联网+金融"在我国方兴未艾,这一新型模式的产生,为我国金融业带来了诸多发展机遇,同时也给金融业中的商业银行传统业务带来了巨大冲击和挑战。在互联网信息技术和传统金融相融合的快速发展时代,互联网金融服务商为客户提供在线支付结算,P2P网贷、众筹、大数据金融、融资需求等新型金融服务,商业银行必须全方面思考自身的发展模式,大胆积极的改革创新,采取有效的应对发展策略来迎接挑战,以顺应时代节奏的变化。本文正是在此背景下就互联网金融对HN邮储分行传统业务的影响及对策进行研究,以期促进HN邮储分行经营服务模式的改革,为其进一步开展互联网金融业务提供参考依据。本文共分为六章:第一章为绪论,阐述了研究的背景和意义,本文的研究方法和思路,并将研究的特色与创新之处进行了概述。第二章为互联网金融发展和邮储银行发展概述,主要介绍了互联网金融概念、功能及特点、国内外互联网金融发展的状况,邮储银行的发展现状和市场定位,业务类型和盈利模式。第三章为HN邮储分行概况及传统业务现状,主要介绍了 HN邮储分行的概况、网点特点以及目前传统业务现状。第四章为互联网金融对HN邮储分行传统业务的影响分析,详细分析了互联网金融对HN分行资产、负债、中间业务的影响。第五章提出了 HN邮储分行传统业务应对互联网金融应采取的对策。第六章是结论与展望。通过本文的研究得出了在互联网金融发展的大背景下,HN邮储分行要积极转变经营观念,加快推进网络技术信息化建设,以客户为中心实施服务创新,注重虚拟渠道建设、加快金融业务创新的结论。本文的研究成果将为邮政储蓄银行在互联网金融冲击和挑战下,趋利避害,全面提升自身业务能力采取的对策具有现实意义。
[Abstract]:In recent years, with the rapid development of information technology, "Internet finance" is in the ascendant in China, the emergence of this new model, for our financial industry has brought a lot of opportunities for development. At the same time, it also brings great impact and challenge to the traditional business of commercial banks in the financial industry. In the era of rapid development of the integration of Internet information technology and traditional finance. Internet financial service providers provide customers with online payment and settlement P2P network loans, crowdfunding, big data finance, financing needs and other new financial services, commercial banks must consider their own development model in all aspects. Bold and active reform and innovation, adopt effective development strategies to meet the challenges. In order to adapt to the changes of the times, this paper studies the impact and countermeasures of Internet finance on the traditional business of HN Postal savings Branch in order to promote the reform of HN Postal savings Branch management service mode. This paper is divided into six chapters: the first chapter is the introduction, the background and significance of the research, the research methods and ideas of this paper. The second chapter is an overview of the development of Internet finance and postal savings bank, mainly introduces the concept, functions and characteristics of Internet finance. Domestic and foreign Internet financial development status, postal savings bank development and market positioning, business types and profit model. Chapter three is HN Postal savings Branch overview and traditional business status. This paper mainly introduces the general situation of HN Postal savings Branch, the characteristics of HN Postal savings Branch and the current status of traditional business. Chapter 4th is an analysis of the impact of Internet finance on the traditional business of HN Postal savings Branch. This paper analyzes the assets and liabilities of Internet finance to HN branch in detail. The impact of intermediary business. Chapter 5th provides. HN Postal savings Branch traditional business response to Internet finance countermeasures. Chapter 6th is the conclusion and prospect. Through the research of this paper, we get the background of the development of Internet finance. HN Postal savings Branch should actively change the concept of operation, accelerate the construction of network technology information, take the customer as the center to implement service innovation, and pay attention to the construction of virtual channels. The research results of this paper will be of practical significance for postal savings bank to seek advantages and avoid disadvantages under the impact and challenge of Internet finance, and to improve its own business ability in an all-round way.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33;F724.6

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