商业银行应对互联网金融竞争的对策研究

发布时间：2018-05-20 19:49

本文选题：商业银行 + 互联网金融　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：在经济新常态下,“互联网+”、“大数据”、“云计算”等新技术正带来传统金融行业的颠覆与竞争升级。“开放、平等、协作、分享”作为互联网的主要特点,给金融业的发展带来了新的途径,互联网金融的快速发展给传统金融机构带来了新的机遇和挑战,更带来了新的竞争。互联网金融对金融机构尤其是对商业银业的冲击已经逐渐显现。随着互联网金融发展不断壮大,与传统银行业之间的竞争更加激烈,甚至逐渐改变了商业银行的经营管理模式和运行格局。在互联网快速发展的当今,不同客户的需求具有多样性,同时,也在不断的发生变化。统观当前互联网金融的特点和发展态势,作为传统商业银行,必须能够准确地把握机遇,而且要在经营理念、管理方式、产品设计、风险管理等方面有所突破和创新,将互联网技术和金融业务进行有机结合,给客户创造出更好、更丰富的产品和服务,在自身转型的同时,实现更高的目标。互联网有助于利率市场化和普惠金融的发展,这从某种程度上极大地改变了金融格局。商业银行在金融业占有举足轻重的地位,能够把握好机遇,不断扩大与互联网金融企业的合作力度,同时,主动配合金融监管机构加强监管,促进互联网金融的健康、规范发展,使合作进一步得到规范。所以,在当前形势下,进一步研究互联网金融对商业银行发展的影响及其发展方向,梳理商业银行的竞争能力和机遇,对促进商业银行的转型升级具有重要价值。本文以商业银行应对互联网金融竞争的对策为选题,首先系统分析互联网金融的发展状况、特点及类型,在此基础上,阐述并全面分析了商业银行在新时期面临的影响与机遇,研究在互联网信息时代,就商业银行如何应对互联网金融的竞争,给出了一些具体发展对策。
[Abstract]:In the new normal economy, new technologies such as "Internet", "big data" and "cloud computing" are bringing disruption and competition to the traditional financial industry. As the main characteristic of the Internet, "openness, equality, cooperation and sharing" has brought new ways to the development of financial industry. The rapid development of Internet finance has brought new opportunities and challenges to traditional financial institutions as well as new competition. The impact of Internet finance on financial institutions, especially the commercial banking industry, has gradually appeared. With the development of Internet finance, the competition with the traditional banking industry is becoming more and more fierce, and even gradually changes the management mode and operation pattern of commercial banks. In the rapid development of the Internet today, the needs of different customers are diverse, at the same time, they are constantly changing. As a traditional commercial bank, it is necessary to grasp the opportunities accurately, and to make breakthroughs and innovations in the aspects of business philosophy, management mode, product design, risk management, etc. The combination of Internet technology and financial services can create better and richer products and services for customers and achieve higher goals while transforming themselves. The Internet contributes to the marketization of interest rates and the development of inclusive finance, which to some extent has greatly changed the financial structure. Commercial banks play an important role in the financial industry, can seize the opportunity, constantly expand the cooperation with Internet financial enterprises, at the same time, actively cooperate with financial regulatory agencies to strengthen supervision, promote the health of Internet finance, Normative development, so that cooperation is further standardized. Therefore, under the current situation, it is of great value to further study the impact of Internet finance on the development of commercial banks and their development direction, and to sort out the competitive power and opportunities of commercial banks, which is of great value to promote the transformation and upgrading of commercial banks. This paper chooses the countermeasures of commercial banks to deal with the competition of Internet finance. Firstly, it systematically analyzes the development, characteristics and types of Internet finance. On this basis, it expounds and comprehensively analyzes the influence and opportunity that commercial banks are facing in the new period. In the Internet information age, this paper puts forward some concrete development countermeasures on how commercial banks deal with the competition of Internet 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;F832.33

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