互联网金融对工商银行传统业务的影响研究

发布时间：2018-11-24 21:17

【摘要】：随着计算机以及互联网技术的迅速发展及广泛使用,特别是互联网金融的快速发展,使得我国传统的商业银行面临着巨大的挑战。近年来,尽管中国工商银行业务发展迅速,占有了一定的市场,在商业银行中取得了一定的成功。但是在互联网金融大潮的冲击下,由于其规模庞大、受监管制约较多,发展不够灵活,因此在技术、管理、产品创新和功能等方面还存在着一定的问题,难以很好的应对互联网金融发展对银行的挑战。本文在阐述互联网金融的涵义、特点、发展状况的基础上,主要就互联网金融对银行业地位、银行经营模式、银行收入以及银行信息资源的影响进行了阐述。自此基础上,本文结合中国工商银行的实际情况,侧重分析了互联网金融对工商银行的业务冲击,特别是对支付业务、融资业务、存款业务以及企业信息处理等传统业务的挑战。最后,本文结合工商银行传统金融业务发展定位、及其面临的挑战和机遇,就如何应对互联网的冲击提出了有针对性的应对策略。研究结果表明:(1)互联网金融的快速发展对传统的银行业务影响,主要体现在银行存款、支付结算、融资、理财等业务领域。(2)面对互联网冲击,工商银行积极发展“支付+融资+信息”的经营模式,工商银行“E-ICBC”战略总目标在于构建一个支付、融资、金融交易、商务、信息五大功能于一体的服务体系。(3)面对互联网金融发展的挑战与机遇,工商银行需要从市场扩张、目标市场、产品组合、渠道建设、研发支持等方面进行完善和布局,积极寻找与新兴互联网金融企业的合作切入点,加强以客户为中心的服务意识,积极转型和应对冲击,从而在激烈的金融竞争中立于不败之地。
[Abstract]:With the rapid development and wide use of computer and Internet technology, especially the rapid development of Internet finance, traditional commercial banks in China are facing great challenges. In recent years, Industrial and Commercial Bank of China (ICBC) has achieved some success in commercial banks, although it has developed rapidly and occupied a certain market. However, under the impact of the Internet financial boom, due to its large scale, being subject to more regulatory constraints, and lacking flexibility in development, there are still some problems in technology, management, product innovation and function, etc. It is difficult to deal with the challenge of Internet financial development to banks. On the basis of expounding the meaning, characteristics and development of Internet finance, this paper mainly expounds the influence of Internet finance on banking status, bank management mode, bank income and bank information resources. On this basis, this paper analyzes the impact of Internet finance on ICBC's business, especially the payment business and financing business, combined with the actual situation of ICBC. The challenge of traditional business, such as deposit business and enterprise information processing. Finally, this paper puts forward some countermeasures on how to deal with the impact of the Internet, combining with the development orientation of ICBC's traditional financial business, and the challenges and opportunities it faces. The results show that: (1) the rapid development of Internet finance affects the traditional banking business, mainly reflected in the bank deposits, payment and settlement, financing, financing and other business areas. (2) facing the impact of the Internet. ICBC actively develops the business model of "payment financing information". The overall goal of ICBC's "E-ICBC" strategy is to build a payment, financing, financial transaction and business. Service system with five functions of information. (3) in the face of the challenges and opportunities of Internet financial development, ICBC needs to improve and layout from the aspects of market expansion, target market, product mix, channel construction, research and development support, etc. Actively looking for the starting point of cooperation with the new Internet financial enterprises, strengthening the customer-centered service consciousness, actively transforming and coping with the impact, thus in the fierce financial competition in an invincible position.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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