本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 商業(yè)銀行 演化博弈 應(yīng)對(duì)措施　出處：《天津財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著以互聯(lián)網(wǎng)為代表的現(xiàn)代信息科技的迅速發(fā)展,我國(guó)社會(huì)經(jīng)濟(jì)正在加速變化。2012年我國(guó)網(wǎng)絡(luò)零售市場(chǎng)交易規(guī)模達(dá)1.32萬(wàn)億元,較2011年增長(zhǎng)了64.7%；網(wǎng)購(gòu)用戶規(guī)模達(dá)2.47億人,同比增長(zhǎng)21.7%。截至2012年底,我國(guó)電子商務(wù)市場(chǎng)交易規(guī)模達(dá)7.85萬(wàn)億元,較上年同期增長(zhǎng)了30.83%,國(guó)內(nèi)電子商務(wù)市場(chǎng)呈現(xiàn)出蓬勃發(fā)展的態(tài)勢(shì)。在電子商務(wù)不斷超越傳統(tǒng)商業(yè)模式的同時(shí),“互聯(lián)網(wǎng)金融”的誕生也在一定程度上表現(xiàn)出對(duì)傳統(tǒng)金融服務(wù)模式的替代作用。新一代互聯(lián)網(wǎng)技術(shù)的代表包括云計(jì)算、大數(shù)據(jù)、社交網(wǎng)絡(luò)等等,它們憑借自身優(yōu)勢(shì),開(kāi)始向金融領(lǐng)域延伸拓展業(yè)務(wù)。隨著第三方支付、眾籌融資、P2P網(wǎng)絡(luò)信貸以及其他形式的網(wǎng)絡(luò)金融服務(wù)平臺(tái)的不斷出現(xiàn),互聯(lián)網(wǎng)金融引起了金融學(xué)者與政策制定者的高度重視。雖然在短期內(nèi)互聯(lián)網(wǎng)金融對(duì)傳統(tǒng)銀行業(yè)造成的沖擊并不明顯,但從長(zhǎng)遠(yuǎn)上來(lái),將有可能對(duì)商業(yè)銀行中間業(yè)務(wù)、資產(chǎn)業(yè)務(wù)和負(fù)債業(yè)務(wù)造成不同程度的影響。同時(shí),互聯(lián)網(wǎng)金融的出現(xiàn)也在一定程度上為我國(guó)商業(yè)銀行在互聯(lián)網(wǎng)和大數(shù)據(jù)時(shí)代的發(fā)展帶來(lái)不少機(jī)遇。一方面,我國(guó)商業(yè)銀行資產(chǎn)實(shí)力雄厚,客戶資源豐富,風(fēng)險(xiǎn)控制體系較為完善；另一方面,我國(guó)銀行又存在業(yè)務(wù)流程冗長(zhǎng)僵化、信息處理效率較低、部門(mén)機(jī)制嚴(yán)重、產(chǎn)品缺乏靈活性等問(wèn)題。因此,我國(guó)商業(yè)銀行應(yīng)從戰(zhàn)略的角度,發(fā)揮絕對(duì)優(yōu)勢(shì),避開(kāi)自身劣勢(shì),處理好與互聯(lián)網(wǎng)企業(yè)之間復(fù)雜關(guān)系。文章從商業(yè)銀行角度出發(fā),分析互聯(lián)網(wǎng)金融對(duì)我國(guó)銀行業(yè)造成的沖擊以及商業(yè)銀行可能面臨的機(jī)遇,研究商業(yè)銀行與互聯(lián)網(wǎng)企業(yè)之間在具體業(yè)務(wù)上的競(jìng)爭(zhēng)合作關(guān)系,并在此基礎(chǔ)上利用演化博弈模型進(jìn)行模擬；根據(jù)我國(guó)銀行業(yè)目前的發(fā)展?fàn)顩r以及其優(yōu)劣勢(shì),分析各大商業(yè)銀行近期所采取的具體應(yīng)對(duì)措施,對(duì)商業(yè)銀行互聯(lián)網(wǎng)化發(fā)展提出幾點(diǎn)思考；最后為我國(guó)商業(yè)銀行未來(lái)發(fā)展提出建議,為推動(dòng)我國(guó)銀行業(yè)的全面改革升級(jí)提供參考與借鑒。
[Abstract]:With the rapid development of modern information technology, represented by the Internet, China's social economy is accelerating. In 2012, the scale of online retail market in China reached 1.32 tillion yuan, an increase of 64.7 over 2011, and the scale of online shopping users reached 247 million. By end of 2012, the scale of transactions in China's e-commerce market had reached 7.85 tillion yuan. Compared with the same period last year, the domestic e-commerce market has shown a vigorous development. While e-commerce continues to surpass the traditional business model, the birth of "Internet finance" also shows a certain degree of traditional gold. Alternative to the service model. The next generation of Internet technologies includes cloud computing, Big data, social networks and so on, with their own advantages, they begin to expand their business into the financial field. As third-party payments, crowdfunding, P2P network credit and other forms of online financial service platforms continue to emerge, Internet finance has attracted great attention from financial scholars and policy makers. Although the impact of Internet finance on traditional banking is not obvious in the short term, in the long run, it is likely to have an impact on the intermediary business of commercial banks. At the same time, the emergence of Internet finance also brings a lot of opportunities for the development of commercial banks in China in the era of Internet and big data. On the one hand, China's commercial banks have strong assets, abundant customer resources and perfect risk control system. On the other hand, Chinese banks have long and rigid business processes, low efficiency in information processing, and serious departmental mechanisms. Therefore, the commercial banks of our country should give full play to their absolute advantages, avoid their own disadvantages and deal with the complex relationship with the Internet enterprises from the angle of the commercial banks. This paper analyzes the impact of Internet finance on China's banking industry and the opportunities that commercial banks may face, and studies the competitive and cooperative relationship between commercial banks and Internet enterprises in specific business. On this basis, the evolutionary game model is used to simulate, and according to the current development situation and its advantages and disadvantages of China's banking industry, the concrete measures taken by major commercial banks in the near future are analyzed. Finally, some suggestions are put forward for the future development of Chinese commercial banks, which can be used as a reference for promoting the overall reform and upgrading of China's banking industry.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.33

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