互联网金融对传统银行的影响及对策研究

发布时间：2018-05-11 22:35

本文选题：互联网金融 + 商业银行　；参考：《吉林财经大学》2017年硕士论文

【摘要】：比尔·盖茨曾说过:“世界需要的是银行服务而不是银行本身。”这句话深刻揭示了当互联网和金融碰撞后对未来经济框架的重要影响。随着互联网技术不断地普及发展和创新,人们需求日渐数字化、网络化、多元化。互联网在国民生活中成为不可或缺的一部分。互联网所带给世界的创新体验,并不仅仅表现在科学技术层面上的变化,更多带给我们的是互联网精神自身的魅力所在。互联网正逐步与国民经济的方方面面紧密相连并深度融合。互联网金融成为其中最活跃的发展业态。当中正悄然影响和改变我们生活的第三方支付、众筹融资、供应链金融、网络借贷(P2P)平台等新型金融业务产品和服务模式层出不穷的出现并迅速占领创新金融领域发展的一席之地。在互联网信息技术与传统金融快速发展不断融合的新时代,互联网金融特别是以阿里金融、京东金融等为代表的领头羊,已经逐步在改变着传统银行自身的金融业态发展,从前商业银看似固若金汤的传统金融服务功能受到了巨大的冲击和挑战。作为传统的银行业,在互联网金融不断蓬勃发展以及不断冲击和侵蚀着自己业务市场的背景下,如何从互联网金融发展得到启示,如何紧跟时代发展方向,如何快速抢占行业发展的制高点,如何增强用户体验,增强核心竞争力,减少业务流失,如何依靠自己的传统金融业务优势谋求业务转型,积极拓展新的利润增长点,以上都是传统银行业应该思考的问题。因此,商业银行需要重新审视自身的优势与短板,顺应当今时代发展的潮流,利用互联网技术作为自我优化和升级的重要工具和武器,转换思路、调整战略、更新理念,抓住当前重大发展机遇,正确认识并了解科学技术变革所给传统银行带来的冲击和挑战,转变发展商业银行传统业务,在改革创新与转型发展方面突出重点,力争在互联网金融与传统银行的融合中找到切入点。形成全方位覆盖,相辅相成,服务多样化、体系多层次的金融格局。本文出发点是从互联网金融与传统银行二者的竞争力分析入手,对比分析两者之间发展的优势与劣势,进而分析出互联网金融给传统银行带来的巨大影响原因,以及商业银行自身发展互联网金融面对的挑战与问题,提出了有针对性的发展对策与建议。
[Abstract]:Bill Gates once said: "the world needs banking services, not banks themselves." This sentence reveals a profound impact on the future economic framework when the Internet and finance collide. With the development and innovation of Internet technology, people need to be more and more digital, networked and diversified. The Internet has become an integral part of national life. The innovation experience brought by the Internet is not only reflected in the change of science and technology, but also brings us the charm of the Internet spirit itself. Internet is gradually closely linked with all aspects of the national economy and deep integration. Internet finance has become one of the most active development forms. They are quietly influencing and changing our lives through third-party payments, crowdfunding, supply chain finance, New financial products and service models, such as P2P platform, emerge in endlessly and occupy a place in the field of innovative finance. In the new era of rapid development of Internet information technology and traditional finance, Internet finance, especially the leader of Ali finance and JingDong finance, has gradually changed the development of the traditional bank's own financial format. Once upon a time, the traditional financial services function of commercial silver, which seemed as solid as gold, was greatly impacted and challenged. As the traditional banking industry, how to get enlightenment from the development of Internet finance and how to keep up with the development direction of the times, under the background of the booming development of Internet finance and the constant impact and erosion of its own business market, How to quickly seize the commanding point of the development of the industry, how to enhance the user experience, enhance the core competitiveness, reduce the loss of business, how to rely on their own advantages of traditional financial business to seek business transformation, and actively expand the new profit growth point, These are the questions that the traditional banking industry should think about. Therefore, commercial banks need to re-examine their advantages and disadvantages, conform to the current trend of development of the times, use Internet technology as an important tool and weapon for self-optimization and upgrading, change ideas, adjust strategies, and renew ideas. Seize the current major development opportunities, correctly understand and understand the impact and challenges brought by the scientific and technological changes to the traditional banks, transform and develop the traditional business of commercial banks, and give prominence to the key points in terms of reform, innovation, transformation and development, Strive to find a breakthrough point in the convergence of Internet finance and traditional banks. Form all-round coverage, complement each other, service diversification, system multi-level financial pattern. This paper starts with the analysis of the competitiveness of Internet finance and traditional banks, analyzes the advantages and disadvantages of the development between the two, and then analyzes the reasons for the enormous influence of Internet finance on traditional banks. And the challenges and problems faced by commercial banks in their own development of Internet finance, and put forward targeted development countermeasures and suggestions.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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