本文選題：互聯(lián)網(wǎng)金融 + 華夏銀行　； 參考：《江西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：近年來,互聯(lián)網(wǎng)技術(shù)的不斷更新與完善,對(duì)人類社會(huì)的發(fā)展起到了重要作用。尤其是社交網(wǎng)絡(luò)、移動(dòng)通信、電子商務(wù)的發(fā)展,不斷改變著人們的生產(chǎn)生活方式,同時(shí)也對(duì)傳統(tǒng)金融行業(yè)的發(fā)展產(chǎn)生了巨大影響�；ヂ�(lián)網(wǎng)金融的出現(xiàn),對(duì)傳統(tǒng)金融業(yè)務(wù),如存款、理財(cái)、貸款等,產(chǎn)生了重大影響,在一定程度上蠶食著傳統(tǒng)金融行業(yè)的市場,威脅著各大商業(yè)銀行利益增長點(diǎn)。這也要求傳統(tǒng)金融行業(yè)在未來發(fā)展過程中必須高度重視互聯(lián)化,利用互聯(lián)網(wǎng)技術(shù)來提高自身的盈利能力。但是,當(dāng)前我國互聯(lián)網(wǎng)金融剛剛起步,尚處于發(fā)展的初始階段,大多數(shù)商業(yè)銀行對(duì)于如何應(yīng)對(duì)互聯(lián)網(wǎng)金融的沖擊并未采取有效手段。為此,在這一背景下加強(qiáng)商業(yè)銀行應(yīng)對(duì)互聯(lián)網(wǎng)金融沖擊的研究迫在眉睫,同時(shí)也是推動(dòng)商業(yè)銀行順利實(shí)現(xiàn)業(yè)務(wù)轉(zhuǎn)型,實(shí)現(xiàn)可持續(xù)發(fā)展的客觀要求。在本研究中,首先就國內(nèi)外學(xué)者關(guān)于互聯(lián)網(wǎng)金融相關(guān)研究成果進(jìn)行梳理與歸納,對(duì)本文涉及的相關(guān)概念進(jìn)行界定,以及相關(guān)理論進(jìn)行概述,進(jìn)而為本研究能夠順利進(jìn)行做好前期準(zhǔn)備;其次,為了增強(qiáng)本研究的實(shí)用性,選取華夏銀行作為個(gè)案進(jìn)行分析,詳細(xì)闡述互聯(lián)網(wǎng)金融對(duì)華夏銀行業(yè)務(wù)發(fā)展產(chǎn)生的影響以及華夏銀行在互聯(lián)網(wǎng)金融背景下所遇到的挑戰(zhàn);再次,結(jié)合自身所學(xué)專業(yè)知識(shí)以及工作實(shí)踐經(jīng)驗(yàn),從積極轉(zhuǎn)變經(jīng)營理念、制定符合時(shí)代發(fā)展的經(jīng)營戰(zhàn)略、拓寬業(yè)務(wù)渠道以及加強(qiáng)對(duì)互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)控制方面,針對(duì)性地提出了華夏銀行在互聯(lián)網(wǎng)金融背景下應(yīng)采取的策略;最后,筆者總結(jié)歸納了本研究的創(chuàng)新之處,并指出了在研究過程中存在的不足,同時(shí)對(duì)未來商業(yè)銀行如何在互聯(lián)網(wǎng)金融的浪潮里前進(jìn)提出了自己的看法。
[Abstract]:In recent years, the continuous updating and improvement of Internet technology has played an important role in the development of human society. In particular, the development of social network, mobile communication and electronic commerce is changing people's way of production and life, and also has a great impact on the development of traditional financial industry. The appearance of Internet finance has a great influence on the traditional financial business, such as deposit, financial management, loan and so on. To a certain extent, it eats away at the market of traditional financial industry and threatens the profit growth point of commercial banks. This also requires the traditional financial industry in the future development process must attach great importance to interconnection, using Internet technology to improve their profitability. However, at present, the Internet finance in our country has just started and is still in the initial stage of development. Most commercial banks have not taken effective measures to deal with the impact of Internet finance. Therefore, under this background, it is urgent to strengthen the research of commercial banks to deal with the Internet financial shock, and it is also the objective requirement to promote the commercial banks to realize the business transformation smoothly and realize the sustainable development. In this study, first of all, the domestic and foreign scholars on Internet finance related research results are summarized, the related concepts involved in this paper are defined, and the relevant theories are summarized. In order to enhance the practicability of this study, Huaxia Bank is selected as a case study. The impact of Internet finance on the business development of Huaxia Bank and the challenges encountered by Huaxia Bank in the context of Internet finance are described in detail. The paper puts forward the strategy that Huaxia Bank should take under the background of Internet finance in order to formulate the management strategy in line with the development of the times, widen the business channels and strengthen the control of Internet financial risks. Finally, The author summarizes the innovation of this study, points out the shortcomings in the research process, and puts forward his own views on how to advance the future commercial banks in the wave of Internet finance.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F724.6

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本文編號(hào)：2000828