互联网金融背景下吉林银行发展对策研究

发布时间：2018-11-10 19:57

【摘要】：互联网金融相比传统金融服务具有高效、便捷、普惠、服务范围广、服务成本低等特点,近年来随着大数据、云计算等互联网技术的不断更新,互联网金融思维深入人心,这也为传统商业银行的转型提供了新的思路。因此,我国银行业需要切实转变发展对策,主动把握经济转型的市场机遇,积极迎接互联网金融时代背景下的各种挑战。吉林银行自成立以来,通过吉林省内金融机构资源整合逐步发展壮大,并实现跨区域设立分支机构、引进境外战略投资者等改革措施,成为吉林省经济业务开展的重要纽带。但诸如公司业务流程不完备、员工专业素质偏低、企业特色不鲜明等软硬件条件的不匹配,同时也制约了吉林银行业务的顺利开展,在银行业激烈的竞争中缺乏明显的优势,更难以应对当下互联网金融蓬勃发展所带来的冲击。因此,吉林银行要想在经济新常态中求得生存与发展,必须根据市场环境,结合自身的优势,制定适合自身特色的发展策略,借助互联网扁平化思维提升银行整体竞争力,才能在金融业日益激烈的竞争中立于不败之地。本文首先对国内外关于互联网金融的理论研究与实践分析进行了梳理,分析了近年来国内外专家、学者对互联网金融的看法及银行业在应对互联网金融冲击时应关注的重点。在此基础上,对互联网金融的含义、区别于传统金融的特点以及传统银行业借助互联网业务创新的主要模式进行了认识和分析。近一步地,在研究互联网金融背景下吉林银行发展对策之前,解析了吉林银行的外部与内部环境,从而识别其在互联网金融的时代背景下所面临的机遇与挑战,再有针对性地予以提出相应的应对策略,以期能够对吉林银行在经济新常态下顺利实现转型有一定借鉴作用,帮助其健康快速发展,从而带动省内企业开展业务,拉动吉林省经济的长足进步。
[Abstract]:Compared with traditional financial services, Internet finance has the characteristics of high efficiency, convenience, universal benefit, wide range of services and low service cost. In recent years, with the continuous updating of Internet technologies such as big data and cloud computing, the thinking of Internet finance is deeply rooted in people's hearts. This also provides a new way of thinking for the transformation of traditional commercial banks. Therefore, China's banking industry needs to change the development countermeasures, grasp the market opportunities of economic transformation, and actively meet all kinds of challenges under the background of Internet finance era. Since its establishment, Jilin Bank has gradually developed and strengthened through the integration of financial resources in Jilin Province, and has become an important link for Jilin Province to carry out economic business by establishing branches across regions and introducing foreign strategic investors. However, the software and hardware conditions such as incomplete business process, low professional quality of employees, lack of distinctive enterprise characteristics and other hardware and software conditions have also restricted the smooth development of Jilin Bank's business and lack of obvious advantages in the fierce competition of the banking industry. More difficult to cope with the current Internet financial boom brought about by the impact. Therefore, if Jilin Bank wants to survive and develop in the new normal state of economy, it must, according to the market environment, combine its own advantages, formulate the development strategy suitable for its own characteristics, and promote the overall competitiveness of the bank with the help of the flattening thinking of the Internet. Ability in the increasingly fierce competition in the financial industry in an invincible position. This paper firstly combs the theoretical research and practical analysis of Internet finance at home and abroad, analyzes the views of experts and scholars at home and abroad on Internet finance in recent years and the key points that banks should pay attention to when dealing with the impact of Internet finance. On this basis, the meaning of Internet finance, different from the characteristics of traditional finance and the main mode of traditional banking innovation with the help of Internet business, is recognized and analyzed. Finally, before studying the countermeasures of Jilin Bank's development under the background of Internet finance, this paper analyzes the external and internal environment of Jilin Bank, so as to identify the opportunities and challenges faced by Jilin Bank under the background of Internet finance. Then the corresponding countermeasures are put forward in order to help Jilin Bank to realize the transformation smoothly under the new normal state of economy, to help it develop healthily and rapidly, and to drive the enterprises in the province to carry out business. Promote Jilin Province's economy to make great progress.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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