J农商行互联网信贷发展对策研究

发布时间：2018-05-06 07:06

本文选题：互联网金融 + 普惠金融　；参考：《南昌大学》2016年硕士论文

【摘要】：金融业是信息技术极为敏感的行业,每一次重大信息技术创新都全方位地改变了银行业和金融业的运作模式。以互联网技术为核心、挖掘和运用大数据为基础的第三次工业革命——互联网金融,彻底改变了传统金融的运作模式,彻底改变了银行业和金融业的产业链、生态链和生存空间。特别是2014年3月,在十二届全国人大二次会议上,“互联网金融”一词被正式写入了政府工作报告之中,标志着这一新生事物取得了名正言顺的市场地位和决策层的认同。互联网金融发展至今,已经从辅助向传统金融机构提供信息和承担中介职能,外延发展到支付、财富管理等方面,对银行最核心的信贷业务也产生了一定的影响。作为农村金融的主力军,以农村信用社为主的区域性银行已经站在了“互联网+”的风口浪尖上,正面临前所未有的竞争压力和严峻形势。本文站在理论探索与实践分析相结合的角度,总结大量国内外研究文献资料,充分探讨互联网信贷的概念、业态形式,全面综述和总结国内外先进商业银行经验与借鉴,以“J农商行互联网信贷发展对策”为对象,经过实地考察、比较分析、案例分析等,找到作为农村金融主力军的农村商业银行发展互联网信贷的优势与劣势、机遇与方向,从而使J农商行互联网信贷发展策略研究更加有针对性和可行性,为论文的完成提供了较为科学的理论依据和现实依据。文章在结构上共分为五章,第一章为导论,主要说明本题目的研究背景、目的、意义、国内外研究现状以及研究的内容和方法等;第二章为相关概念和理论基础;第三章为J农商行发展互联网信贷的现状分析和战略意义;第四章为J农商行互联网信贷发展策略;第五章为结论与展望,概括性指出研究结论及以后应进一步研究的方向。进入“互联网”时代的农村商业银行正处于生死存亡的关键历史结点,必须以放手一搏、孤注一掷的勇气和决心,在包括信贷在内的各个领域改变自我、大胆创新、与时俱进,才能顺应内外部形势的快速变化,以有效的应对策略在逆境中求得一条生存发展之路。本文立足J农商行实际,从内外部环境角度分析提出的经营理念转型、客户关怀培养、电子供应链金融创新、风险防控和技术支撑等战略选择与策略研究,对于中小银行如何应对互联网金融带来的危机有着一定的借鉴意义,对于中小银行的创新监管起到决策参考作用。
[Abstract]:Financial industry is extremely sensitive to information technology. Every major information technology innovation has changed the operation mode of banking and financial industry in all directions. With Internet technology as the core, the third industrial revolution, Internet finance, based on big data, completely changed the operation mode of traditional finance and the industry chain of banking and financial industry. Ecological chain and living space. Especially in March 2014, at the second session of the Twelfth National people's Congress, the word "Internet finance" was formally written into the government work report, which indicates that this new thing has gained a fair market position and the recognition of policy makers. The development of Internet finance has changed from providing information to traditional financial institutions and undertaking intermediary functions, extending to payment, wealth management and so on, which has also had a certain impact on the core credit business of banks. As the main force of rural finance, regional banks, mainly rural credit cooperatives, have stood at the forefront of the "Internet" and are facing unprecedented competitive pressure and severe situation. Based on the combination of theoretical exploration and practical analysis, this paper summarizes a large number of domestic and foreign research literature, fully discusses the concept of Internet credit, business form, comprehensive summary and summary of domestic and foreign advanced commercial bank experience and reference. Taking "the countermeasures for the development of Internet credit of J Rural Commercial Bank" as the object, through field investigation, comparative analysis, case analysis and so on, this paper finds out the advantages and disadvantages, opportunities and directions of rural commercial banks as the main force of rural finance to develop Internet credit. Therefore, it makes the research of Internet credit development strategy of J Agricultural and Commercial Bank more pertinent and feasible, and provides a more scientific theoretical and practical basis for the completion of the thesis. The article is divided into five chapters in structure, the first chapter is the introduction, mainly explains the research background, the purpose, the significance, the domestic and foreign research present situation, the research content and the method and so on, the second chapter is the related concept and the theory foundation; The third chapter is the current situation analysis and strategic significance of the development of Internet credit of J agribusiness bank; the fourth chapter is the development strategy of J agricultural firm's Internet credit; the fifth chapter is the conclusion and prospect, and points out the conclusion of the research and the direction that should be further studied in the future. The rural commercial banks entering the era of "Internet" are at the key historical point of survival and death. They must change themselves, innovate boldly and keep pace with the times in all fields, including credit, with the courage and determination of fighting with one hand and putting all their efforts in one throw. In order to adapt to the rapid changes of internal and external situations, we can find a way to survive and develop in adversity with effective coping strategies. Based on the reality of J agribusiness, this paper analyzes the strategic choice and strategy research from the angle of internal and external environment, such as transformation of management concept, cultivation of customer care, innovation of electronic supply chain finance, prevention and control of risks and technical support, etc. It has certain reference significance for medium and small banks how to deal with the crisis brought by Internet finance, and plays a decision reference role for the innovation supervision of small and medium-sized banks.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4

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