本文選題：互聯(lián)網(wǎng)金融 + 安全性��； 參考：《華北電力大學(xué)(北京)》2017年碩士論文

【摘要】：互聯(lián)網(wǎng)技術(shù)的迅速發(fā)展催生了網(wǎng)上銀行、支付寶、余額寶等新的金融發(fā)展模式�；ヂ�(lián)網(wǎng)金融的崛起借助信息技術(shù)的高速發(fā)展迅速在市場(chǎng)上占據(jù)有利地位�；ヂ�(lián)網(wǎng)金融一方面在促進(jìn)金融業(yè)蓬勃發(fā)展的同時(shí),另一方面也對(duì)以商業(yè)銀行為代表的傳統(tǒng)金融業(yè)造成了沖擊,主要體現(xiàn)在改變用戶(hù)消費(fèi)習(xí)慣、沖擊商業(yè)銀行傳統(tǒng)存取款業(yè)務(wù)等。探討互聯(lián)網(wǎng)金融對(duì)我國(guó)商業(yè)銀行等傳統(tǒng)金融行業(yè)帶來(lái)的影響,研究商業(yè)銀行面對(duì)互聯(lián)網(wǎng)金融的沖擊應(yīng)該采取的對(duì)策,將有助于我國(guó)商業(yè)銀行在互聯(lián)網(wǎng)金融猛烈的攻勢(shì)下尋找適合自身發(fā)展的經(jīng)營(yíng)方式。論文首先在第二章中給出互聯(lián)網(wǎng)金融的具體概念、類(lèi)型以及交易成本低、以大數(shù)據(jù)技術(shù)為支撐等特點(diǎn),并對(duì)國(guó)內(nèi)外互聯(lián)網(wǎng)金融發(fā)展的特點(diǎn)、經(jīng)驗(yàn)進(jìn)行了總結(jié),由其是我國(guó)當(dāng)前互聯(lián)網(wǎng)金融發(fā)展面臨的諸多問(wèn)題。第三章以中國(guó)工商銀行為代表,從工商銀行經(jīng)營(yíng)的社會(huì)、政治、經(jīng)濟(jì)和技術(shù)環(huán)境定性分析了互聯(lián)網(wǎng)金融對(duì)工商銀行經(jīng)營(yíng)的安全性、盈利性、流動(dòng)性的影響,并通過(guò)定量的計(jì)算和實(shí)證分析,發(fā)現(xiàn)互聯(lián)網(wǎng)金融的發(fā)展對(duì)工商銀行的安全性具有顯著的抑制作用,對(duì)工商銀行的盈利發(fā)展有一定的積極作用,在一定程度上對(duì)工商銀行流動(dòng)性帶來(lái)了負(fù)面影響。第四章針對(duì)上述影響,首先研究了其他商業(yè)銀行,如招商銀行和興業(yè)銀行在應(yīng)對(duì)互聯(lián)網(wǎng)金融時(shí)所采取的對(duì)策,然后論述工商銀行信息化建設(shè)進(jìn)程,為自身應(yīng)對(duì)互聯(lián)網(wǎng)金融沖擊提供技術(shù)支撐,以工商銀行推出的“微信銀行”為例,分析其發(fā)展的優(yōu)劣勢(shì),在此基礎(chǔ)上提出了工商銀行應(yīng)對(duì)互聯(lián)網(wǎng)金融在其安全性、盈利性和流動(dòng)性的應(yīng)對(duì)策略和進(jìn)一步構(gòu)建金融生態(tài)圈的策略建議。
[Abstract]:The rapid development of Internet technology has given birth to new financial development models such as online banking, Alipay and Yu'e Bao. The rise of Internet finance with the help of the rapid development of information technology quickly occupies a favorable position in the market. On the one hand, Internet finance promotes the flourishing development of the financial industry, on the other hand, it also impacts the traditional financial industry represented by commercial banks, which is mainly reflected in changing the consumer's consumption habits and impacting the traditional deposit and withdrawal business of commercial banks and so on. This paper discusses the impact of Internet finance on traditional financial industries such as commercial banks in China, and studies the countermeasures that commercial banks should take in the face of the impact of Internet finance. It will help our commercial banks to find suitable management mode for their own development under the fierce offensive of Internet finance. In the second chapter, the paper first gives the specific concepts, types and low transaction costs of Internet finance, supported by big data technology, and summarizes the characteristics and experiences of the development of Internet finance at home and abroad. It is the current development of Internet finance in China to face many problems. The third chapter, represented by ICBC, qualitatively analyzes the impact of Internet finance on the security, profitability and liquidity of ICBC from the social, political, economic and technological environment in which ICBC operates. Through quantitative calculation and empirical analysis, it is found that the development of Internet finance has a significant inhibitory effect on the security of ICBC, and has a positive effect on ICBC's profit development. To some extent, ICBC liquidity has a negative impact. The fourth chapter studies the countermeasures taken by other commercial banks, such as China Merchants Bank and Industrial Bank, to deal with the Internet finance, and then discusses the process of ICBC informatization construction. In order to provide technical support for its own response to Internet financial shock, taking the WeChat Bank launched by ICBC as an example, this paper analyzes the advantages and disadvantages of its development, and puts forward that ICBC should deal with the security of Internet finance. Profit-making and liquidity response strategies and further construction of the financial ecosystem of strategic recommendations.
【學(xué)位授予單位】：華北電力大學(xué)(北京)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉鳳軍;朱國(guó)超;;商業(yè)銀行的互聯(lián)網(wǎng)金融營(yíng)銷(xiāo)創(chuàng)新——以招商銀行實(shí)踐為例[J];開(kāi)發(fā)研究;2017年01期

2 李元元;曹正;;眾籌商業(yè)模式及股權(quán)眾籌風(fēng)險(xiǎn)監(jiān)管研究綜述[J];經(jīng)營(yíng)與管理;2016年11期

3 戴偉娟;;基于眾籌商業(yè)模式的管理會(huì)計(jì)創(chuàng)新[J];中國(guó)注冊(cè)會(huì)計(jì)師;2016年11期

4 尹海員;王盼盼;;我國(guó)互聯(lián)網(wǎng)金融監(jiān)管現(xiàn)狀及體系構(gòu)建[J];財(cái)經(jīng)科學(xué);2015年09期

5 李繼尊;;關(guān)于互聯(lián)網(wǎng)金融的思考[J];管理世界;2015年07期

6 楊東;;互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)規(guī)制路徑[J];中國(guó)法學(xué);2015年03期

7 李欣潔;;P2P網(wǎng)絡(luò)小額信貸發(fā)展問(wèn)題淺析[J];時(shí)代金融;2015年14期

8 楊坤;曹暉;孫寧華;;非正規(guī)金融、利率雙軌制與信貸政策效果——基于新凱恩斯動(dòng)態(tài)隨機(jī)一般均衡模型的分析[J];管理世界;2015年05期

9 錢(qián)誠(chéng);;互聯(lián)網(wǎng)金融對(duì)現(xiàn)有金融體系的影響[J];山東社會(huì)科學(xué);2015年S1期

10 楊東;;互聯(lián)網(wǎng)金融的法律規(guī)制——基于信息工具的視角[J];中國(guó)社會(huì)科學(xué);2015年04期

相關(guān)會(huì)議論文 前1條

1 周強(qiáng);;“互聯(lián)網(wǎng)+”時(shí)代我國(guó)金融扶貧創(chuàng)新模式及其保障機(jī)制探析——基于“宜農(nóng)貸”模式的案例研究[A];第十一屆中國(guó)軟科學(xué)學(xué)術(shù)年會(huì)論文集（下）[C];2015年

相關(guān)重要報(bào)紙文章 前1條

1 蔡愷;;實(shí)際融資成本僅6.7% 阿里金融沖擊民間借貸[N];證券時(shí)報(bào);2013年

相關(guān)碩士學(xué)位論文 前2條

1 劉靜;基于普惠金融服務(wù)對(duì)象的P2P網(wǎng)絡(luò)用戶(hù)借貸行為影響研究[D];華中師范大學(xué);2016年

2 姜虹;我國(guó)商業(yè)銀行經(jīng)營(yíng)模式轉(zhuǎn)型研究[D];吉林大學(xué);2012年

，

本文編號(hào)：1803189