【摘要】：互聯(lián)網(wǎng)金融相比傳統(tǒng)金融服務具有高效、便捷、普惠、服務范圍廣、服務成本低等特點,近年來隨著大數(shù)據(jù)、云計算等互聯(lián)網(wǎng)技術的不斷更新,互聯(lián)網(wǎng)金融思維深入人心,這也為傳統(tǒng)商業(yè)銀行的轉(zhuǎn)型提供了新的思路。因此,我國銀行業(yè)需要切實轉(zhuǎn)變發(fā)展對策,主動把握經(jīng)濟轉(zhuǎn)型的市場機遇,積極迎接互聯(lián)網(wǎng)金融時代背景下的各種挑戰(zhàn)。吉林銀行自成立以來,通過吉林省內(nèi)金融機構資源整合逐步發(fā)展壯大,并實現(xiàn)跨區(qū)域設立分支機構、引進境外戰(zhàn)略投資者等改革措施,成為吉林省經(jīng)濟業(yè)務開展的重要紐帶。但諸如公司業(yè)務流程不完備、員工專業(yè)素質(zhì)偏低、企業(yè)特色不鮮明等軟硬件條件的不匹配,同時也制約了吉林銀行業(yè)務的順利開展,在銀行業(yè)激烈的競爭中缺乏明顯的優(yōu)勢,更難以應對當下互聯(lián)網(wǎng)金融蓬勃發(fā)展所帶來的沖擊。因此,吉林銀行要想在經(jīng)濟新常態(tài)中求得生存與發(fā)展,必須根據(jù)市場環(huán)境,結合自身的優(yōu)勢,制定適合自身特色的發(fā)展策略,借助互聯(lián)網(wǎng)扁平化思維提升銀行整體競爭力,才能在金融業(yè)日益激烈的競爭中立于不敗之地。本文首先對國內(nèi)外關于互聯(lián)網(wǎng)金融的理論研究與實踐分析進行了梳理,分析了近年來國內(nèi)外專家、學者對互聯(lián)網(wǎng)金融的看法及銀行業(yè)在應對互聯(lián)網(wǎng)金融沖擊時應關注的重點。在此基礎上,對互聯(lián)網(wǎng)金融的含義、區(qū)別于傳統(tǒng)金融的特點以及傳統(tǒng)銀行業(yè)借助互聯(lián)網(wǎng)業(yè)務創(chuàng)新的主要模式進行了認識和分析。近一步地,在研究互聯(lián)網(wǎng)金融背景下吉林銀行發(fā)展對策之前,解析了吉林銀行的外部與內(nèi)部環(huán)境,從而識別其在互聯(lián)網(wǎng)金融的時代背景下所面臨的機遇與挑戰(zhàn),再有針對性地予以提出相應的應對策略,以期能夠?qū)帚y行在經(jīng)濟新常態(tài)下順利實現(xiàn)轉(zhuǎn)型有一定借鑒作用,幫助其健康快速發(fā)展,從而帶動省內(nèi)企業(yè)開展業(yè)務,拉動吉林省經(jīng)濟的長足進步。
[Abstract]:Compared with traditional financial services, Internet finance has the characteristics of high efficiency, convenience, universal benefit, wide range of services and low service cost. In recent years, with the continuous updating of Internet technologies such as big data and cloud computing, the thinking of Internet finance is deeply rooted in people's hearts. This also provides a new way of thinking for the transformation of traditional commercial banks. Therefore, China's banking industry needs to change the development countermeasures, grasp the market opportunities of economic transformation, and actively meet all kinds of challenges under the background of Internet finance era. Since its establishment, Jilin Bank has gradually developed and strengthened through the integration of financial resources in Jilin Province, and has become an important link for Jilin Province to carry out economic business by establishing branches across regions and introducing foreign strategic investors. However, the software and hardware conditions such as incomplete business process, low professional quality of employees, lack of distinctive enterprise characteristics and other hardware and software conditions have also restricted the smooth development of Jilin Bank's business and lack of obvious advantages in the fierce competition of the banking industry. More difficult to cope with the current Internet financial boom brought about by the impact. Therefore, if Jilin Bank wants to survive and develop in the new normal state of economy, it must, according to the market environment, combine its own advantages, formulate the development strategy suitable for its own characteristics, and promote the overall competitiveness of the bank with the help of the flattening thinking of the Internet. Ability in the increasingly fierce competition in the financial industry in an invincible position. This paper firstly combs the theoretical research and practical analysis of Internet finance at home and abroad, analyzes the views of experts and scholars at home and abroad on Internet finance in recent years and the key points that banks should pay attention to when dealing with the impact of Internet finance. On this basis, the meaning of Internet finance, different from the characteristics of traditional finance and the main mode of traditional banking innovation with the help of Internet business, is recognized and analyzed. Finally, before studying the countermeasures of Jilin Bank's development under the background of Internet finance, this paper analyzes the external and internal environment of Jilin Bank, so as to identify the opportunities and challenges faced by Jilin Bank under the background of Internet finance. Then the corresponding countermeasures are put forward in order to help Jilin Bank to realize the transformation smoothly under the new normal state of economy, to help it develop healthily and rapidly, and to drive the enterprises in the province to carry out business. Promote Jilin Province's economy to make great progress.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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