互联网金融模式下的商业银行创新

发布时间：2018-05-20 15:50

  本文选题：互联网金融 + 商业银行　； 参考：《中国社会科学院研究生院》2016年博士论文

【摘要】：互联网技术的发展催生出了新的金融业态——互联网金融。当前,互联网金融创新受到社会各界的充分肯定,也引起国家层面的重视和支持。商业银行作为我国的核心金融部门,已经积累了几十年网络金融业务运行的基本经验,构建了一套较为完善的风险管理体系,拥有了一批既熟悉金融、也懂互联网技术应用的人才,存储了大量体系内的“大数据”,同时还拥有资金、客户等优势,注定不会是互联网金融创新浪潮下的看客。但是从已有研究文献来看,对于互联网金融背景下商业银行的创新研究相对滞后。一是对互联网金融与商业银行创新的单独研究相对较多,而对两者结合的研究极少;二是关于互联网金融创新与商业银行创新之间的作用机理研究相对薄弱;三是研究以定性评述为主,缺乏定量指标体系和理论实证;四是对策建议不够系统,往往缺乏对风险的考量。加强对互联网金融模式下商业银行创新的研究,有利于加快商业银行传统经营服务模式的深层次变革,促进商业银行运营管理模式、业务发展模式、产品服务模式、人才管理模式以及风险管控模式等的转型与创新,具有十分重要的理论和实践意义。本文将文献研究作为分析问题的逻辑起点,在第一章中对已有文献进行计量分析,讨论相关研究的发展脉络和发展趋势,以及已有研究存在的不足之处。在此基础上,第二章提出本文对互联网金融的定义,并对已有互联网金融的模式进行了简单的分类。接着对互联网金融的相关核心理论基础进行了分析,包括网络经济学、平台经济学、信息经济学理论、金融中介理论、交易成本理论、金融深化理论等。第三章从当前互联网金融的主要创新入手,分析互联网金融创新产生的外部机制、内部机制,以及互联网金融创新的运行机制,认为互联网金融创新的运行机制是在交易成本、金融中介、金融深化等理论基础上,以信用为前提、以信息为核心、以技术为基础、以法治为保障的互联网行业和金融行业的产业融合。随后通过实证分析,从技术角度讨论技术对推动互联网金融创新与发展的作用,认为促进金融以及其他依赖于信息技术的产业的发展,政府因当尊崇公共设施投入优先。为了进一步研究互联网金融对商业银行创新的影响,第四章从互联网金融对商业银行创新的影响原因、影响的基本途径、影响过程以及影响结果来闸述互联网金融对商业银行创新的影响。采集了商业银行的盈利能力、业务创新和产品创新能力、技术创新水平、人力资源创新水平以及创新风险控制能力这五个方面的基础指标,利用主成分分析法构建了反映其创新能力的指标。同时利用全国省级面板数据分析模型对中国各省区互联网金融创新能力和商业银行创新的关系进行了实证分析,实证分析的结果表明互联网金融创新不管是在当期还是滞后一期,都对商业银行创新具有显著的影响。第五章利用态势分析法,从宏观视角分析商业银行创新的优势、劣势、机会以及挑战。从渠道创新、产品创新、资产创新、风控创新四个角度对商业银行的互联网金融创新进行梳理,并进行了国际比较。第六章通过案例分析对第五章的内容进行深化。选取了民生银行直销银行、中信银行“薪金煲”、招商银行“小企业e家”以及平安银行线上供应链金融四个案例,分析商业银行在渠道、产品、资产以及风控上的创新经验和启示。在前六章的研究基础上,第七章从制度创新、组织创新、产品创新、渠道创新、技术创新、风控创新六个方面,给出商业银行互联网金融创新的策略和路径。在互联网金融下,商业银行创新的法律风险、信息技术风险、混业风险、长尾风险等尤为突出,第八章通过对我国监管现状的分析以及美国、欧盟、日本等监管经验的总结,提出应当完善相关法律体系、构筑监管协调机制、构建统计监测平台、强化信息技术风险防范以及加强消费者权益保护的建议。
[Abstract]:The development of Internet technology has brought out a new financial format - Internet finance. At present, the Internet financial innovation is fully affirmed by all circles of society, and it has also aroused the attention and support of the national level. As the core financial department of our country, commercial banks have accumulated the basic experience of the operation of network finance for several decades. A set of more perfect risk management system has a number of talents who are familiar with the financial and Internet technology applications, and have stored a large number of "big data" in the system, and also have the advantages of funds and customers. It is doomed to not be a visitor to the wave of Internet financial innovation. But from the existing research literature, it is very important to the Internet finance. The innovation research of commercial banks is relatively lagging behind in the background. One is that the independent research on the innovation of Internet Finance and commercial banks is relatively more, and the research on the combination of the two is very few. Two, the research on the mechanism between the Internet financial innovation and the innovation of commercial banks is relatively weak; the three is the qualitative review mainly, and the lack of quantitative reference. The four is that the countermeasures and suggestions are not systematic and often lack the consideration of the risk. Strengthening the research on the innovation of commercial banks under the Internet financial model will help to accelerate the deep change of the traditional business service mode of commercial banks, promote the management mode of commercial banks, the business development model, the product service mode, and the talents. The transformation and innovation of management mode and risk management and control model have very important theoretical and practical significance. In this paper, literature research is the logical starting point of the analysis. In the first chapter, the existing literature is measured and analyzed, and the development and trend of related research are discussed, and the shortcomings of the existing research are also discussed. On this basis, the second chapter puts forward the definition of Internet finance, and makes a simple classification of the existing model of Internet finance. Then it analyzes the core theoretical basis of Internet finance, including network economics, platform economics, information economics theory, financial intermediary theory, transaction cost theory, financial depth. The third chapter, starting with the main innovation of the current Internet finance, analyzes the external mechanism, internal mechanism and operating mechanism of Internet financial innovation, and thinks that the operating mechanism of Internet financial innovation is based on the theory of transaction cost, finance medium and financial deepening, which is based on credit. With the information as the core, the technology as the basis, the integration of the Internet industry and the financial industry with the rule of law as the guarantee, the role of technology in promoting the Internet financial innovation and development is discussed from a technical point of view. In order to further study the impact of Internet Finance on commercial banks' innovation, the fourth chapter discusses the impact of Internet Finance on commercial banks' innovation, the basic approach, the impact process and the impact of the impact of Internet Finance on commercial banks. The five basic indexes of business innovation and product innovation ability, technological innovation level, human resource innovation level and innovation risk control ability are used to build an index to reflect their innovation ability by principal component analysis. At the same time, using the national provincial panel data analysis model, the innovation ability of Internet Finance in China's provinces and regions is used. The empirical analysis shows that the Internet financial innovation has a significant impact on the innovation of commercial banks. The fifth chapter analyzes the advantages, disadvantages, opportunities and challenges of commercial banks from a macro perspective. New, product innovation, asset innovation, wind control innovation four aspects of commercial banks to comb the Internet financial innovation, and international comparison. The sixth chapter through case analysis to deepen the content of the fifth chapters. Select the Minsheng Bank direct bank, CITIC Bank "pay pot", China Merchants Bank "small business e family" and peace Four cases of Supply Chain Finance on the bank line are used to analyze the innovative experience and Enlightenment of commercial banks in channels, products, assets and wind control. On the basis of the first six chapters, the seventh chapter gives the policy of Internet financial innovation in commercial banks from six aspects: system innovation, organization innovation, product innovation, channel innovation, technology innovation and wind control innovation. Under the Internet finance, the legal risk, the information technology risk, the mixed risk, the long tail risk of the commercial banks are particularly prominent. The eighth chapter, through the analysis of the current situation of China's supervision and the summary of the supervision experience in the United States, the European Union and Japan, puts forward that the relevant legal system should be perfected, the regulatory coordination mechanism should be constructed and the statistics should be constructed. Monitoring platform, strengthening information technology risk prevention and strengthening consumer rights and interests protection suggestions.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：博士
【学位授予年份】：2016
【分类号】：F724.6;F832.33
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本文编号：1915285