工商银行互联网金融业务的发展研究

发布时间：2018-04-19 00:07

本文选题：互联网金融 + 工商银行　；参考：《湘潭大学》2017年硕士论文

【摘要】：从2013年互联网金融兴起开始,互联网金融一直处于飞速的发展的状态,不断推动着传统金融的发展与更新,以互联网技术为核心的各类企业机构也开始飞速崛起,改变着我国现有的金融市场格局。互联网金融在快速发展的同时,也给传统的商业银行带来了不可忽视的冲击与挑战,不管是从经营模式的角度,还是从盈利的角度来看,都给传统银行业务带来了巨大的影响。因此,了解并分析互联网金融的发展情况与发展趋势,找出互联网金融发展理念的先进之处,加以学习与借鉴,对于提高自身竞争力,巩固传统商业银行在金融行业的地位显得十分必要。首先,本文在梳理国内外文献的基础上,归纳了中国互联网金融的发展特点与发展模式,然后通过运用理论和实践相互结合分析的方法,基于互联网金融现有的六大主要发展模式,分析了互联网金融的飞速发展,给我国传统的商业银行所带来的影响与冲击。接下来,从工商银行的互联网金融产品的发展历程出发,对工商银行现在己经拥有的互联网金融三大平台““融e购”、“融e联”、“融e行”和现已部署的三大产品线支付产品线、投资产品线、融资产品线进行研究,并结合问卷调查所得数据,对工商银行发展互联网金融所存在的问题进行了分析,最后就工商银行如何在互联网金融飞速发展的背景下,进行自身产品的改进,如何在与之竞争的同时保持与它的合作关系,相互作用,共同成长的问题进行了深入的分析研究。工商银行是我国商业银行的典型代表之一,是我国国际化程度和多元化程度最高的银行,在互联网金融飞速发展的时代,如何牢抓这一机遇强化自己,在激励的竞争环境中脱颖而出,不仅对于工商银行本身,对于巩固我国在全球的地位也具有至关重要的作用。
[Abstract]:Since the rise of Internet finance in 2013, Internet finance has been in a state of rapid development, constantly promoting the development and renewal of traditional finance, and various kinds of enterprise organizations with Internet technology as the core have also started to rise rapidly.Changes our country's existing financial market pattern.With the rapid development of Internet finance, it also brings the traditional commercial banks a great impact and challenge. Whether from the perspective of business model or from the perspective of profit, it has brought great influence to the traditional banking business.Therefore, to understand and analyze the development and trend of Internet finance, to find out the advanced aspects of the concept of Internet financial development, to learn and learn from it, to improve their own competitiveness,It is necessary to consolidate the position of traditional commercial banks in the financial industry.Firstly, on the basis of combing the literature at home and abroad, this paper sums up the development characteristics and development model of China's Internet finance, and then through the use of theory and practice to analyze the method of mutual integration.Based on the six main development models of Internet finance, this paper analyzes the impact and impact of the rapid development of Internet finance on the traditional commercial banks in China.Next, proceeding from the history of the development of ICBC's Internet financial products, the ICBC now has three major platforms for Internet finance, "Ronge purchase", "Ronge-Lian",This paper analyzes the problems existing in ICBC's development of Internet finance by studying the payment product line, investment product line and financing product line of the three product lines that have been deployed, and combining the data obtained from the questionnaire survey.Finally, the paper makes a deep analysis and research on how ICBC can improve its own products under the background of the rapid development of Internet finance, and how to maintain the cooperative relationship, interaction and common growth with ICBC while competing with it.ICBC is one of the typical representatives of commercial banks in our country. It is the most internationalized and diversified bank in our country. In the era of rapid development of Internet finance, how to grasp this opportunity to strengthen itself,It is very important for ICBC not only to stand out in the competitive environment of incentive, but also to consolidate our country's position in the world.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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