F信用社互联网金融发展战略研究

发布时间：2018-06-16 07:12

本文选题：互联网金融 + F信用社　；参考：《河北大学》2017年硕士论文

【摘要】：当前网络技术迅猛发展使得互联网与金融逐步的融合,互联网金融是利用互联网和信息通信技术,在支付、资金融通、投资和信息中介服务等实施创新的新型业务模式,对金融产品、业务、组织和服务等方面产生了深刻的影响。其中以支付宝、微信金融为代表的互联网金融创新业务,已经深刻的改变着我们的消费习惯、生活方式甚至是经济发展的格局。互联网金融不仅给消费者带来越来越丰富便捷的生活,也变革了银行的产品和服务体系。可以说互联网金融的发展壮大,在加速资本流动、改善配置效率的同时,促使银行业不断变革创新,也加剧了金融市场的竞争。农村信用社是我国农村金融的基础,近年来,通过大力强化互联网业务建设,电子化水平有所提升,但是面对日益激烈的农村金融市场和互联网金融的冲击,信用社只有不断提升核心竞争力,才能实现持续、健康的发展。由此可见,在互联网金融时代,信用社要在发展中立于不败之地,必须高度重视互联网金融业务,发挥资金实力雄厚、客户资源丰富等优势,把握好互联网金融时代的脉搏,充分运用现有的资源,在科学、合理的规划中前行,创建符合自身发展的互联网金融模式,提升市场占有率,为“三农”发展提供更便捷、高效的金融服务,这是我国农村信用社互联网金融急需解决的问题。本文以金融和互联网的理论为指导,对F信用社互联网金融发展的环境进行研究,使用SWOT矩阵方法进行战略选择分析,最终确定F信用社的发展战略,F信用社应该从内部进行战略管理上的变革,从组织结构、资源配置、产品服务、技术水平等方面加快发展,建立以市场为导向的运作模式,从而不断促进F信用社互联网金融的健康发展。
[Abstract]:At present, the rapid development of network technology makes the Internet and finance merge step by step. Internet finance is a new business model to implement innovation in payment, financing, investment and information intermediary services using the Internet and information communication technology. Has had a profound impact on financial products, business, organization and services. Among them, the Internet financial innovation business represented by Alipay and WeChat Finance has profoundly changed our consumption habits, lifestyle and even the pattern of economic development. Internet finance not only brings rich and convenient life to consumers, but also changes the system of products and services of banks. It can be said that the development of Internet finance accelerates the capital flow and improves the allocation efficiency, at the same time, it impedes the banking industry to change and innovate constantly, and also intensifies the competition of the financial market. Rural credit cooperatives are the foundation of rural finance in our country. In recent years, through strengthening the construction of Internet business, the level of electronization has been improved, but in the face of the increasingly fierce impact of rural financial market and Internet finance, Credit cooperatives can achieve sustainable and healthy development only by constantly improving their core competitiveness. From this we can see that in the era of Internet finance, if credit cooperatives are to be invincible in their development, they must attach great importance to the Internet financial business, give full play to the advantages of strong capital and abundant customer resources, and grasp the pulse of the Internet financial age. Make full use of existing resources, advance in scientific and rational planning, create an Internet financial model in line with their own development, enhance market share, and provide more convenient and efficient financial services for the development of "three rural areas". This is the problem that our country rural credit cooperative Internet finance needs to solve urgently. Under the guidance of the theory of finance and Internet, this paper studies the environment of F credit cooperative's Internet finance development, and makes strategic choice analysis with SWOT matrix method. Finally determine the development strategy of F credit cooperatives. F credit cooperatives should carry out strategic management changes from within, accelerate development in terms of organizational structure, resource allocation, product and service, technical level, etc., and establish a market-oriented operation model. So as to promote F credit cooperatives, the healthy development of Internet finance.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F724.6;F272

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