互联网金融竞争新形势下商业银行发展策略研究

发布时间：2018-03-19 04:28

本文选题：互联网金融　切入点：商业银行　出处：《对外经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：现代信息技术的发展正迅速改变着人类的社会生活和经济活动，互联网金融业务产生于传统金融业务中，随着时代的变迁、人们观念的转变以及现代信息技术的大发展，互联网金融业务取得了长足的发展。2013年，互联网金融成为金融行业最热门的话题，且被视为影响我国商业银行2013年利润的重要原因，互联网金融的快速发展，给传统银行业带来巨大冲击的同时，也给银行业带了机遇，我国商业银行必须要审时度势，与时俱进，要从管理理念和经营模式等方面进行创新和改革。本文对互联网金融的发展现状、对银行业的冲击以及互联网企业和传统商业银行的优劣势进行了详细分析，同时也对互联网竞争新形势下商业银行的应对策略及改革创新提出了建议。本文主要研究内容包括：第一章首先介绍了互联网金融的研究背景和意义，然后归纳了国内外有关互联网金融的研究文献，最后介绍了本文的研究框架和研究方法；第二章对互联网金融的发展概况和功能进行研究；第三章研究了互联网金融对我国传统银行业的冲击；第四章从价值交换角度和第三方支付用户角度分析商业银行与互联网企业的优劣势；第五章对互联网竞争新形势下商业银行的应对策略及改革创新提出了建议；第六章总结了本文的主要研究成果，并指出了仍可进一步研究的内容和方向。通过全文研究，本文得出的结论如下：互联网金融与商业银行将是共生和竞合的生态，互联网金融的本质是互联网与金融的跨界与融合，它的崛起将给商业银行带来新的发展机会，而非致命的冲击，所以商业银行应在发展过程中充分的寻求优势互补，加强跨界融合，加快推进转型发展。本文虽然取得了一定了研究成果，但仍有一些不足需要改进。随着我国互联网金融的发展，，本文认为在此基础上应该进一步进行更多的理论研究和实证研究，不仅要分析、研究商业银行的发展策略，还要研究互联网金融的风险以及相应的监管措施。
[Abstract]:The development of modern information technology is rapidly changing the social life and economic activities of human beings. The Internet financial business comes into being in the traditional financial business. With the change of times, the change of people's concept and the great development of modern information technology, In 2013, Internet finance became the hottest topic in the financial industry, and it was regarded as an important reason to affect the profits of Chinese commercial banks in 2013, and the rapid development of Internet finance. While bringing great impact to the traditional banking industry, it also brings opportunities to the banking industry. The commercial banks of our country must review the situation and keep pace with the times. This paper analyzes the current situation of Internet finance, the impact of banking, and the advantages and disadvantages of Internet enterprises and traditional commercial banks. At the same time, it also puts forward some suggestions on the strategy and innovation of commercial banks under the new situation of Internet competition. The main contents of this paper include: the first chapter introduces the research background and significance of Internet finance, then summarizes the domestic and foreign research literature on Internet finance, and finally introduces the research framework and research methods of this paper; The second chapter studies the development and function of Internet finance, the third chapter studies the impact of Internet finance on China's traditional banking industry. Chapter 4th analyzes the merits and demerits of commercial banks and Internet enterprises from the perspective of value exchange and third-party payment users, and Chapter 5th puts forward suggestions for the countermeasures and reform and innovation of commercial banks under the new situation of Internet competition. Chapter 6th summarizes the main research results of this paper, and points out the contents and directions that can be further studied. The conclusions of this paper are as follows: Internet finance and commercial banks will be symbiotic and competitive ecology, the essence of Internet finance is the cross-border and fusion of Internet and finance. Its rise will bring new development opportunities to commercial banks, not a fatal impact, so commercial banks should fully seek complementary advantages in the process of development, strengthen cross-border integration, and accelerate the development of transformation. Although some research results have been obtained in this paper, there are still some shortcomings to be improved. With the development of Internet finance in China, this paper believes that more theoretical and empirical research should be carried out on this basis, not only to analyze, but also to analyze. Research the development strategy of commercial banks, but also study the risks of Internet finance and the corresponding regulatory measures.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F49

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