互聯(lián)網金融對商業(yè)銀行的影響及商業(yè)銀行對策研究
發(fā)布時間：2019-04-04 18:19
【摘要】：近年來,借助于信息技術與互聯(lián)網技術的快速革新,互聯(lián)網企業(yè)大舉進軍金融行業(yè)并取得了較為顯著的成功,誕生了以阿里巴巴為代表的一系列優(yōu)秀互聯(lián)網金融企業(yè),并引領了互聯(lián)網經濟的騰飛。在這一背景下,互聯(lián)網金融在一定程度上影響改變了傳統(tǒng)金融業(yè)的商業(yè)模式,對金融產品的生產、銷售與流通賦予了新的含義,并改變了消費者的消費偏好與支付習慣,這又進一步促使傳統(tǒng)金融行業(yè)所面臨的商業(yè)環(huán)境發(fā)生了翻天覆地的變化�？梢哉f,對于傳統(tǒng)金融機構、尤其是商業(yè)銀行而言,互聯(lián)網金融的挑戰(zhàn)是多方面的。許多商業(yè)銀行立足自身優(yōu)勢,積極在產品、渠道等多個方面采取應對措施,以緩解互聯(lián)網金融的沖擊。本文主要針對性地討論我國互聯(lián)網金融對商業(yè)銀行的影響以及商業(yè)銀行的應對策略。文章首先在全面總結國內外文獻的基礎之上,對互聯(lián)網金融的概念、內涵加以界定;然后對國外互聯(lián)網金融的產生、特點及發(fā)展現(xiàn)狀進行介紹,并著重闡述國內互聯(lián)網金融對商業(yè)銀行的影響狀況;再次,在前文分析的基礎之上,利用SWOT分析法,對商業(yè)銀行的應對策略進行歸納分析;最后,對我國商業(yè)銀行針對互聯(lián)網金融影響應對策略的方向進行總結,即把握B端(企業(yè))優(yōu)勢,爭奪C端(消費者)市場。
[Abstract]:In recent years, with the help of the rapid innovation of information technology and Internet technology, Internet enterprises have made great strides into the financial industry and achieved relatively remarkable success, and a series of excellent Internet financial enterprises represented by Alibaba were born. And led the rise of the Internet economy. In this context, Internet finance to a certain extent has changed the traditional business model of the financial industry, gave a new meaning to the production, sales and circulation of financial products, and changed consumers' consumption preferences and payment habits. This further prompted the traditional financial industry to face a tremendous change in the business environment. It can be said that for traditional financial institutions, especially commercial banks, the challenges of Internet finance are multifaceted. Based on their own advantages, many commercial banks actively take measures in many aspects, such as products, channels and so on, in order to alleviate the impact of Internet finance. This paper mainly discusses the influence of internet finance on commercial banks and the countermeasures of commercial banks. Firstly, based on a comprehensive summary of domestic and foreign literature, the concept and connotation of Internet finance are defined. Then it introduces the emergence, characteristics and development situation of foreign Internet finance, and emphatically expounds the influence of domestic Internet finance on commercial banks. Thirdly, on the basis of the previous analysis, we use SWOT analysis method to summarize and analyze the coping strategies of commercial banks. Finally, this paper summarizes the strategy direction of China's commercial banks in response to the impact of Internet finance, that is, to seize the advantage of the B-end (enterprise) and compete for the C-end (consumer) market.
【學位授予單位】：首都經濟貿易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.33
[Abstract]:In recent years, with the help of the rapid innovation of information technology and Internet technology, Internet enterprises have made great strides into the financial industry and achieved relatively remarkable success, and a series of excellent Internet financial enterprises represented by Alibaba were born. And led the rise of the Internet economy. In this context, Internet finance to a certain extent has changed the traditional business model of the financial industry, gave a new meaning to the production, sales and circulation of financial products, and changed consumers' consumption preferences and payment habits. This further prompted the traditional financial industry to face a tremendous change in the business environment. It can be said that for traditional financial institutions, especially commercial banks, the challenges of Internet finance are multifaceted. Based on their own advantages, many commercial banks actively take measures in many aspects, such as products, channels and so on, in order to alleviate the impact of Internet finance. This paper mainly discusses the influence of internet finance on commercial banks and the countermeasures of commercial banks. Firstly, based on a comprehensive summary of domestic and foreign literature, the concept and connotation of Internet finance are defined. Then it introduces the emergence, characteristics and development situation of foreign Internet finance, and emphatically expounds the influence of domestic Internet finance on commercial banks. Thirdly, on the basis of the previous analysis, we use SWOT analysis method to summarize and analyze the coping strategies of commercial banks. Finally, this paper summarizes the strategy direction of China's commercial banks in response to the impact of Internet finance, that is, to seize the advantage of the B-end (enterprise) and compete for the C-end (consumer) market.
【學位授予單位】：首都經濟貿易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.33
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