互联网金融背景下华夏银行发展研究

发布时间：2018-06-09 21:06

本文选题：互联网金融 + 华夏银行　；参考：《江西财经大学》2017年硕士论文

【摘要】：近年来,互联网技术的不断更新与完善,对人类社会的发展起到了重要作用。尤其是社交网络、移动通信、电子商务的发展,不断改变着人们的生产生活方式,同时也对传统金融行业的发展产生了巨大影响。互联网金融的出现,对传统金融业务,如存款、理财、贷款等,产生了重大影响,在一定程度上蚕食着传统金融行业的市场,威胁着各大商业银行利益增长点。这也要求传统金融行业在未来发展过程中必须高度重视互联化,利用互联网技术来提高自身的盈利能力。但是,当前我国互联网金融刚刚起步,尚处于发展的初始阶段,大多数商业银行对于如何应对互联网金融的冲击并未采取有效手段。为此,在这一背景下加强商业银行应对互联网金融冲击的研究迫在眉睫,同时也是推动商业银行顺利实现业务转型,实现可持续发展的客观要求。在本研究中,首先就国内外学者关于互联网金融相关研究成果进行梳理与归纳,对本文涉及的相关概念进行界定,以及相关理论进行概述,进而为本研究能够顺利进行做好前期准备;其次,为了增强本研究的实用性,选取华夏银行作为个案进行分析,详细阐述互联网金融对华夏银行业务发展产生的影响以及华夏银行在互联网金融背景下所遇到的挑战;再次,结合自身所学专业知识以及工作实践经验,从积极转变经营理念、制定符合时代发展的经营战略、拓宽业务渠道以及加强对互联网金融风险控制方面,针对性地提出了华夏银行在互联网金融背景下应采取的策略;最后,笔者总结归纳了本研究的创新之处,并指出了在研究过程中存在的不足,同时对未来商业银行如何在互联网金融的浪潮里前进提出了自己的看法。
[Abstract]:In recent years, the continuous updating and improvement of Internet technology has played an important role in the development of human society. In particular, the development of social network, mobile communication and electronic commerce is changing people's way of production and life, and also has a great impact on the development of traditional financial industry. The appearance of Internet finance has a great influence on the traditional financial business, such as deposit, financial management, loan and so on. To a certain extent, it eats away at the market of traditional financial industry and threatens the profit growth point of commercial banks. This also requires the traditional financial industry in the future development process must attach great importance to interconnection, using Internet technology to improve their profitability. However, at present, the Internet finance in our country has just started and is still in the initial stage of development. Most commercial banks have not taken effective measures to deal with the impact of Internet finance. Therefore, under this background, it is urgent to strengthen the research of commercial banks to deal with the Internet financial shock, and it is also the objective requirement to promote the commercial banks to realize the business transformation smoothly and realize the sustainable development. In this study, first of all, the domestic and foreign scholars on Internet finance related research results are summarized, the related concepts involved in this paper are defined, and the relevant theories are summarized. In order to enhance the practicability of this study, Huaxia Bank is selected as a case study. The impact of Internet finance on the business development of Huaxia Bank and the challenges encountered by Huaxia Bank in the context of Internet finance are described in detail. The paper puts forward the strategy that Huaxia Bank should take under the background of Internet finance in order to formulate the management strategy in line with the development of the times, widen the business channels and strengthen the control of Internet financial risks. Finally, The author summarizes the innovation of this study, points out the shortcomings in the research process, and puts forward his own views on how to advance the future commercial banks in the wave of Internet finance.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F724.6

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