互联网金融下上海农商银行转型策略研究

发布时间：2018-02-28 20:34

本文关键词： 互联网金融商业银行转型策略　出处：《华东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融自被提出以来秉承“开放、平等、协作、分享、创新”的互联网精神,开创了透明度更强、参与度更高、协作性更好、成本更低、操作更便捷的全新金融服务模式。随着互联网金融的高速发展和不断创新,对传统商业银行的经营管理提出了巨大的考验和挑战。如何在此新金融市场环境下,因时制宜地制定出适合商业银行自身发展的转型策略和战略规划,是摆在管理层和决策层面前迫切需要解决的问题。本文通过实证分析的方法,整理和研究国内外互联网金融的发展概况和主要商业模式,分析互联网金融对于传统商业银行业务的影响,结合目前上海农商银行的经营现状,对其实施战略转型提出对策和建议。商业银行应对互联网金融所实施的战略转型,将直接有助于商业银行的可持续发展,在增强核心竞争力的同时拓展了金融服务的内涵和空间,为整个社会金融体系实现普惠金融的健康发展起到了积极的推动作用。
[Abstract]:Internet banking has been proposed from adhering to the "open, equality, cooperation, sharing, innovation" the spirit of the Internet, creating a stronger transparency, higher participation, better collaboration, lower cost, more convenient operation of the new financial services model. With the rapid development and continuous innovation of Internet banking, presented a huge challenge and challenge to the traditional management system of commercial banks. This new financial market environment, developed for commercial banks according to their own development and the transformation of strategy and strategic planning, is placed in front of the management and decision-making problem need to be solved urgently. This article through empirical analysis method, the development of collation and research at home and abroad of Internet banking and the main business model of Internet financial impact on traditional commercial banking business, combined with the current management situation of Shanghai rural commercial bank, on the implementation of The strategic transformation and put forward countermeasures and suggestions. The implementation of the strategic transformation of commercial banks to deal with the Internet finance, sustainable development will contribute directly to the commercial banks, in enhancing the core competitiveness and expanding the connotation and space of financial services, the financial system for the whole society to realize the healthy development of Inclusive Finance has played a positive role in promoting.

【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F272

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