互联网金融视角下商业银行竞争力研究

发布时间：2018-05-24 19:16

本文选题：互联网金融 + 商业银行　；参考：《华东交通大学》2017年硕士论文

【摘要】：在我国,商业银行的发展总是伴随着不同的机遇与挑战。近年来,随着互联网技术的飞速发展和我国对金融行业改革的深入,金融与网络不断融合,互联网金融逐渐萌芽并迅速发展,同时也给传统商业银行带来了巨大冲击。商业银行在面对行业内竞争的同时,还要接受跨行业竞争带来的巨大压力。本文基于互联网金融的出现与发展,对商业银行的竞争力进行研究分析。基于互联网金融视角研究商业银行的竞争力,主要从互联网金融对商业银行竞争力影响的机理分析和实证分析两个方面展开。在理论分析层面,本文通过使用资金需求方与供给方对资金的议价能力、互联网金融作为潜在进入者进入金融行业竞争的能力、互联网金融产品作为替代品代替传统商业银行产品和服务的能力、行业内部竞争的竞争力即波特五力模型的五个方面来充分涵盖互联网金融对商业银行竞争力的综合影响。在实证分析过程中,本文构建了具有互联网金融基因的商业银行竞争力指标体系,对商业银行竞争力的评价与完善,具有参考意义。本文的核心工作是基于互联网金融对商业银行竞争力进行研究,并有针对性的提出提升商业银行竞争力的建议,为此构建了互联网金融影响下的商业银行竞争力评价体系。在评价体系中选取了三大类指标,一类是基础性指标,主要体现银行的实力与规模,一类是体现银行"三性"的竞争力指标,最后一类是体现银行互联网金融竞争力的指标。在具体分析评价过程中,选取了17家全国性商业银行近五年的数据,使用因子分析法对三大类19个指标下的各项数据进行研究。最后,本文结合因子分析的结果,在综合考虑商业银行行业内部竞争和跨行业竞争的基础上,提出了提升商业银行竞争力的几条建议。银行不仅要在安全防范、规模效益、中间业务、创新产品与服务等方面加以强化,还要加强与互联网金融相关企业的合作,不断提升银行的竞争力水平。
[Abstract]:In China, the development of commercial banks is always accompanied by different opportunities and challenges. In recent years, with the rapid development of Internet technology and the deepening of financial industry reform in our country, the combination of finance and network has made Internet finance sprout and develop rapidly, which has also brought great impact to the traditional commercial banks. Commercial banks in the face of competition within the industry, but also accept cross-industry competition brought great pressure. Based on the emergence and development of Internet finance, this paper analyzes the competitiveness of commercial banks. This paper studies the competitiveness of commercial banks from the perspective of Internet finance, mainly from two aspects: the mechanism analysis and empirical analysis of the impact of Internet finance on the competitiveness of commercial banks. At the level of theoretical analysis, by using the bargaining power of the demand side and the supply side, the Internet finance can enter the financial industry as a potential entrant. Internet financial products as a substitute for the traditional commercial bank products and services, the competitiveness of the industry competition is the five aspects of Porter's five forces model to fully cover the comprehensive impact of Internet finance on the competitiveness of commercial banks. In the process of empirical analysis, this paper constructs a commercial bank competitiveness index system with Internet finance gene, which has reference significance for the evaluation and improvement of commercial bank competitiveness. The core work of this paper is to study the competitiveness of commercial banks based on Internet finance, and put forward some suggestions to enhance the competitiveness of commercial banks. Therefore, the evaluation system of competitiveness of commercial banks under the influence of Internet finance is constructed. In the evaluation system, three kinds of indicators are selected, one is the basic index, which mainly reflects the strength and scale of the bank, the other is the competitiveness index of the bank's "three properties", and the last one is the index of the bank's Internet financial competitiveness. In the process of concrete analysis and evaluation, the data of 17 national commercial banks in the past five years are selected, and the data under 19 indexes of three categories are studied by factor analysis method. Finally, based on the results of factor analysis, this paper puts forward several suggestions to enhance the competitiveness of commercial banks on the basis of comprehensive consideration of the internal competition and cross-industry competition of commercial banks. Banks should not only strengthen their security precautions, economies of scale, intermediate business, innovative products and services, but also strengthen cooperation with Internet finance related enterprises to continuously enhance the competitiveness of banks.
【学位授予单位】：华东交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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