本文選題：互聯(lián)網(wǎng)　切入點(diǎn)：金融　出處：《西北農(nóng)林科技大學(xué)》2014年碩士論文

【摘要】：比爾蓋茨曾經(jīng)說過：“21世紀(jì)傳統(tǒng)的商業(yè)銀行是一群滅絕的恐龍”。中國(guó)平安保險(xiǎn)公司的董事長(zhǎng)馬明哲則在2013年致辭中提出：“平安金融銀行在未來3年內(nèi)，最大的競(jìng)爭(zhēng)對(duì)手不是商業(yè)銀行等傳統(tǒng)金融企業(yè)，而是騰訊、阿里巴巴等互聯(lián)網(wǎng)科技企業(yè)�！钡拇_，，互聯(lián)網(wǎng)金融自其產(chǎn)生的那一刻就對(duì)傳統(tǒng)的商業(yè)銀行產(chǎn)生了較大的影響，并且隨著時(shí)間的推移，客戶的增多，逐漸威脅到了商業(yè)銀行的未來發(fā)展。隨著電子商務(wù)模式在世界范圍內(nèi)的大肆擴(kuò)張，互聯(lián)網(wǎng)企業(yè)在發(fā)展過程中掌握了大量的用戶信息，并根據(jù)用戶的金融偏好、需求，為其提供相應(yīng)的金融服務(wù)。服務(wù)模式也從最簡(jiǎn)單的資金支付逐漸開展為資金管理、轉(zhuǎn)賬匯款、基金代銷、現(xiàn)金管理、保險(xiǎn)代理、小額貸款、供應(yīng)鏈金融等商業(yè)銀行涉及的業(yè)務(wù)領(lǐng)域。在互聯(lián)網(wǎng)金融逐漸影響著商業(yè)銀行的同時(shí)，互聯(lián)網(wǎng)金融公司通過互聯(lián)網(wǎng)平臺(tái)為客戶提供專業(yè)的金融業(yè)服務(wù)，這也意味著金融業(yè)與互聯(lián)網(wǎng)業(yè)之間產(chǎn)生了業(yè)務(wù)重疊，商業(yè)銀行在互聯(lián)網(wǎng)金融時(shí)代發(fā)展中面臨著強(qiáng)大的威脅。 互聯(lián)網(wǎng)金融服務(wù)在未來的發(fā)展中具備較為廣闊的空間，其原因在于其便捷性、引致性與大眾性，可以令客戶在網(wǎng)絡(luò)進(jìn)行業(yè)務(wù)辦理，這種便捷化的操作模式將會(huì)對(duì)商業(yè)銀行傳統(tǒng)信貸模式產(chǎn)生顛覆性的影響。因此，本文結(jié)合互聯(lián)網(wǎng)金融的特點(diǎn)，通過STOW模式分析，剖析商業(yè)銀行在互聯(lián)網(wǎng)金融時(shí)代發(fā)展需要面臨的威脅與挑戰(zhàn)，揭示了其中存在的主要問題并對(duì)商業(yè)銀行的未來發(fā)展提出相應(yīng)的簡(jiǎn)易模式�；ヂ�(lián)網(wǎng)金融的發(fā)展，既取決于外部市場(chǎng)環(huán)境的變化，也受制于科技創(chuàng)新的發(fā)展，商業(yè)銀行應(yīng)與互聯(lián)網(wǎng)金融企業(yè)開展全面合作，在加強(qiáng)監(jiān)管與行業(yè)自律的前提下，盡快適應(yīng)新時(shí)代互聯(lián)網(wǎng)金融業(yè)務(wù)的發(fā)展趨勢(shì)，以便更好的應(yīng)對(duì)互聯(lián)網(wǎng)金融對(duì)傳統(tǒng)商業(yè)銀行的沖擊，變危險(xiǎn)為機(jī)遇，化風(fēng)險(xiǎn)為創(chuàng)新，以此為契機(jī)，發(fā)展和壯大商業(yè)銀行的自身實(shí)力。
[Abstract]:Bill Gates once said: "the traditional 21 st century commercial bank is a group of extinct dinosaurs."Ma Mingzhe, chairman of China Ping an Insurance Company, said in his speech in 2013: "Ping an Financial Bank will not be a traditional financial enterprise, such as a commercial bank, but Tencent in the next three years.Alibaba and other Internet technology enterprises. "Indeed, Internet finance has had a great impact on the traditional commercial banks since the moment it came into being, and with the passage of time, the number of customers has gradually threatened the future development of commercial banks.With the expansion of e-commerce model in the world, Internet enterprises have grasped a large amount of user information in the process of development, and provide corresponding financial services according to the financial preferences and needs of users.The service mode also gradually develops from the simplest fund payment to the business field of commercial bank such as fund management, transfer remittance, fund agent, cash management, insurance agent, micro-loan, supply chain finance and so on.While Internet finance is gradually affecting commercial banks, Internet financial companies provide professional financial services to customers through Internet platforms, which also means that there is a business overlap between the financial industry and the Internet industry.Commercial banks are facing a strong threat in the development of Internet finance era.Internet financial services in the future development has a relatively broad space, the reason is that its convenience, induced and popular, can enable customers to conduct business in the network,This convenient mode of operation will have a subversive effect on the traditional credit model of commercial banks.Therefore, according to the characteristics of Internet finance and the analysis of STOW model, this paper analyzes the threats and challenges that commercial banks need to face in the development of Internet finance era.This paper reveals the main problems and puts forward some simple models for the future development of commercial banks.The development of Internet finance depends not only on the change of external market environment, but also on the development of science and technology innovation.To adapt to the development trend of Internet finance business in the new era as soon as possible, in order to better deal with the impact of Internet finance on traditional commercial banks, to turn danger into opportunity, to turn risk into innovation, and to take this as an opportunity.Develop and strengthen the commercial bank's own strength.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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