發(fā)布時(shí)間：2018-01-05 02:31

  本文關(guān)鍵詞：我國(guó)互聯(lián)網(wǎng)金融發(fā)展對(duì)商業(yè)銀行的影響研究　出處：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：互聯(lián)網(wǎng)金融的發(fā)展,與互聯(lián)網(wǎng)有關(guān)的創(chuàng)新型業(yè)務(wù),如網(wǎng)上銀行、手機(jī)銀行、移動(dòng)支付、余額寶、阿里小貸等發(fā)展勢(shì)頭迅猛,其發(fā)展?jié)摿艽�。由于互�?lián)網(wǎng)金融的飛速發(fā)展起來(lái),導(dǎo)致以往的一些金融機(jī)構(gòu),比如說(shuō)銀行等,不得不面對(duì)這一巨大挑戰(zhàn)。在當(dāng)今互聯(lián)網(wǎng)普及和應(yīng)用度高的背景下,銀行要在這個(gè)環(huán)境中繼續(xù)保持自己的優(yōu)勢(shì),就必須在競(jìng)爭(zhēng)中不斷創(chuàng)新,進(jìn)而改變自身的經(jīng)營(yíng)模式和運(yùn)行的格局。在我國(guó)相對(duì)寬松的監(jiān)管環(huán)境這一有利背景下,起步較晚的互聯(lián)網(wǎng)金融仍取得了長(zhǎng)足的發(fā)展�；ヂ�(lián)網(wǎng)支撐了現(xiàn)代信息企業(yè)的發(fā)展,這些信息企業(yè)將自己優(yōu)勢(shì)和金融很好地結(jié)合起來(lái),這種創(chuàng)新性的結(jié)合在具體的金融產(chǎn)品中能夠體現(xiàn)出來(lái),這也對(duì)那些中小企業(yè)的發(fā)展帶來(lái)了巨大的推動(dòng)作用,使得實(shí)體經(jīng)濟(jì)水平層次上升了很多。在這樣的環(huán)境中,傳統(tǒng)的銀行業(yè)和金融業(yè)也實(shí)現(xiàn)了強(qiáng)強(qiáng)聯(lián)合,將方便、快捷的金融服務(wù)提供給人民大眾�？傊�,互聯(lián)網(wǎng)有助于利率市場(chǎng)化和普惠金融的發(fā)展,極大地改變了當(dāng)今金融格局。作為金融業(yè)之首的銀行業(yè)一定要抓住時(shí)機(jī),在和金融業(yè)合作的同時(shí),聯(lián)合監(jiān)管機(jī)構(gòu)對(duì)互聯(lián)網(wǎng)金融存在的問(wèn)題進(jìn)一步監(jiān)管,從而使得合作更為有效。
[Abstract]:The development of Internet banking, innovative businesses related to the Internet, such as online banking, mobile phone banking, mobile payment, the balance of treasure, Ali small loans and the momentum of rapid development, its development potential is very great. Because of the rapid development of Internet banking, led to a number of financial institutions in the past, such as banks, have to face it a huge challenge. The popularization and application of high background in today's Internet, banks should continue to maintain their advantage in this environment, it is necessary to innovate in the competition, and then change its business model and operation pattern. In this favorable background of China's relatively relaxed regulatory environment, a late start internet banking is still made great progress. The Internet to support the development of the modern information enterprise information, these companies will own financial advantage and good combination of this innovative combination of in out The body can be reflected in financial products, it is also for those small and medium-sized enterprise development brings huge role, so that the real economy level rising a lot. In this environment, the traditional banking industry and financial industry also realized the combination, convenient, quick to provide financial services to the masses of the people. In short, the Internet helps the interest rate marketization and inclusive financial development, greatly changed the financial structure. As the financial industry's first banking industry must seize the opportunity, and cooperation in the financial sector at the same time, combined with regulatory agencies to further regulation of Internet financial problems, which makes the cooperation more effective.

【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832.33

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