發(fā)布時間：2018-01-28 03:12

  本文關鍵詞： 互聯網金融 HN郵儲分行 傳統(tǒng)業(yè)務　出處：《安徽大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,伴隨著信息技術的快速發(fā)展,"互聯網+金融"在我國方興未艾,這一新型模式的產生,為我國金融業(yè)帶來了諸多發(fā)展機遇,同時也給金融業(yè)中的商業(yè)銀行傳統(tǒng)業(yè)務帶來了巨大沖擊和挑戰(zhàn)。在互聯網信息技術和傳統(tǒng)金融相融合的快速發(fā)展時代,互聯網金融服務商為客戶提供在線支付結算,P2P網貸、眾籌、大數據金融、融資需求等新型金融服務,商業(yè)銀行必須全方面思考自身的發(fā)展模式,大膽積極的改革創(chuàng)新,采取有效的應對發(fā)展策略來迎接挑戰(zhàn),以順應時代節(jié)奏的變化。本文正是在此背景下就互聯網金融對HN郵儲分行傳統(tǒng)業(yè)務的影響及對策進行研究,以期促進HN郵儲分行經營服務模式的改革,為其進一步開展互聯網金融業(yè)務提供參考依據。本文共分為六章:第一章為緒論,闡述了研究的背景和意義,本文的研究方法和思路,并將研究的特色與創(chuàng)新之處進行了概述。第二章為互聯網金融發(fā)展和郵儲銀行發(fā)展概述,主要介紹了互聯網金融概念、功能及特點、國內外互聯網金融發(fā)展的狀況,郵儲銀行的發(fā)展現狀和市場定位,業(yè)務類型和盈利模式。第三章為HN郵儲分行概況及傳統(tǒng)業(yè)務現狀,主要介紹了 HN郵儲分行的概況、網點特點以及目前傳統(tǒng)業(yè)務現狀。第四章為互聯網金融對HN郵儲分行傳統(tǒng)業(yè)務的影響分析,詳細分析了互聯網金融對HN分行資產、負債、中間業(yè)務的影響。第五章提出了 HN郵儲分行傳統(tǒng)業(yè)務應對互聯網金融應采取的對策。第六章是結論與展望。通過本文的研究得出了在互聯網金融發(fā)展的大背景下,HN郵儲分行要積極轉變經營觀念,加快推進網絡技術信息化建設,以客戶為中心實施服務創(chuàng)新,注重虛擬渠道建設、加快金融業(yè)務創(chuàng)新的結論。本文的研究成果將為郵政儲蓄銀行在互聯網金融沖擊和挑戰(zhàn)下,趨利避害,全面提升自身業(yè)務能力采取的對策具有現實意義。
[Abstract]:In recent years, with the rapid development of information technology, "Internet finance" is in the ascendant in China, the emergence of this new model, for our financial industry has brought a lot of opportunities for development. At the same time, it also brings great impact and challenge to the traditional business of commercial banks in the financial industry. In the era of rapid development of the integration of Internet information technology and traditional finance. Internet financial service providers provide customers with online payment and settlement P2P network loans, crowdfunding, big data finance, financing needs and other new financial services, commercial banks must consider their own development model in all aspects. Bold and active reform and innovation, adopt effective development strategies to meet the challenges. In order to adapt to the changes of the times, this paper studies the impact and countermeasures of Internet finance on the traditional business of HN Postal savings Branch in order to promote the reform of HN Postal savings Branch management service mode. This paper is divided into six chapters: the first chapter is the introduction, the background and significance of the research, the research methods and ideas of this paper. The second chapter is an overview of the development of Internet finance and postal savings bank, mainly introduces the concept, functions and characteristics of Internet finance. Domestic and foreign Internet financial development status, postal savings bank development and market positioning, business types and profit model. Chapter three is HN Postal savings Branch overview and traditional business status. This paper mainly introduces the general situation of HN Postal savings Branch, the characteristics of HN Postal savings Branch and the current status of traditional business. Chapter 4th is an analysis of the impact of Internet finance on the traditional business of HN Postal savings Branch. This paper analyzes the assets and liabilities of Internet finance to HN branch in detail. The impact of intermediary business. Chapter 5th provides. HN Postal savings Branch traditional business response to Internet finance countermeasures. Chapter 6th is the conclusion and prospect. Through the research of this paper, we get the background of the development of Internet finance. HN Postal savings Branch should actively change the concept of operation, accelerate the construction of network technology information, take the customer as the center to implement service innovation, and pay attention to the construction of virtual channels. The research results of this paper will be of practical significance for postal savings bank to seek advantages and avoid disadvantages under the impact and challenge of Internet finance, and to improve its own business ability in an all-round way.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F618.3;F832.33;F724.6

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本文編號：1469602