本文選題：中小農(nóng)村金融機(jī)構(gòu) + 互聯(lián)網(wǎng)金融��； 參考：《上海交通大學(xué)》2015年碩士論文

【摘要】：我國(guó)互聯(lián)網(wǎng)金融正處于高速蓬勃發(fā)展時(shí)期,其發(fā)展形式日新月異,從網(wǎng)上銀行到第三方平臺(tái),從電腦支付到手機(jī)支付,互聯(lián)網(wǎng)金融的出現(xiàn),在方便人們?nèi)粘Ｉ畹耐瑫r(shí)也是對(duì)傳統(tǒng)金融領(lǐng)域的拓展。中小農(nóng)村金融機(jī)構(gòu)具有客戶(hù)群年齡偏大、知識(shí)層次較低、對(duì)電子渠道依賴(lài)度低、對(duì)互聯(lián)網(wǎng)知識(shí)了解較少的“特殊優(yōu)勢(shì)”,然而這也只能是暫時(shí)延緩而無(wú)法長(zhǎng)遠(yuǎn)阻礙互聯(lián)網(wǎng)金融對(duì)其產(chǎn)生沖擊和影響。金融脫媒正在普及,中小農(nóng)村金融機(jī)構(gòu)必須遵循互聯(lián)網(wǎng)時(shí)代的游戲規(guī)則,要在新的行業(yè)分工、要素分配過(guò)程中提升自身實(shí)力,獲得生存發(fā)展。為此,本文試圖在闡述我國(guó)互聯(lián)網(wǎng)金融的發(fā)展及對(duì)中小農(nóng)村金融機(jī)構(gòu)影響的基礎(chǔ)上,通過(guò)對(duì)互聯(lián)網(wǎng)金融發(fā)展?fàn)顩r、運(yùn)營(yíng)模式等方面進(jìn)行深入分析,并結(jié)合中小農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀,提出中小農(nóng)村金融機(jī)構(gòu)在互聯(lián)網(wǎng)金融背景下的應(yīng)對(duì)及發(fā)展策略。本文以互聯(lián)網(wǎng)金融為研究對(duì)象,圍繞互聯(lián)網(wǎng)金融對(duì)中小農(nóng)村金融機(jī)構(gòu)的影響這一主題,本文安排了六個(gè)部分展開(kāi)論述和分析：第一部分是導(dǎo)論,主要介紹本文選題背景與研究意義、研究問(wèn)題與主要內(nèi)容以及研究方法與技術(shù)路線(xiàn)的介紹,并給出了論文可能的創(chuàng)新與不足,明確了本文研究的價(jià)值所在。第二部分是文獻(xiàn)回顧,通過(guò)對(duì)國(guó)內(nèi)外已有文獻(xiàn)中相關(guān)理論范疇的梳理與總結(jié),廓清互聯(lián)網(wǎng)金融的內(nèi)涵與外延,在此基礎(chǔ)上確立本文的研究視角。第三部分為互聯(lián)網(wǎng)金融的基礎(chǔ)理論,在模型構(gòu)建部分主要探討互聯(lián)網(wǎng)金融的主要運(yùn)營(yíng)模式。第四部分為信息通訊技術(shù)、金融包容與經(jīng)濟(jì)增長(zhǎng)的實(shí)證研究,本文選取現(xiàn)代通訊技術(shù)中最為典型的互聯(lián)網(wǎng)、固定電話(huà)、移動(dòng)電話(huà)等數(shù)據(jù)指標(biāo),解釋和說(shuō)明現(xiàn)實(shí)經(jīng)濟(jì)現(xiàn)象,對(duì)統(tǒng)計(jì)數(shù)據(jù)的深入分析是本章研究的重點(diǎn)。第五部分是互聯(lián)網(wǎng)金融對(duì)中小農(nóng)村金融機(jī)構(gòu)的影響。第六部分是結(jié)論與政策建議,在實(shí)證研究的基礎(chǔ)上得出結(jié)論并提出中小農(nóng)村金融機(jī)構(gòu)發(fā)展的政策建議。
[Abstract]:China's Internet finance is in a period of rapid and vigorous development, its development forms are changing with each passing day, from online banking to third-party platforms, from computer payments to mobile phone payments, the emergence of Internet finance. At the same time, it is the expansion of traditional financial field. Small and medium-sized rural financial institutions have "special advantages", such as older customers, lower levels of knowledge, lower dependence on electronic channels, and less knowledge of the Internet. However, this can only be a temporary delay and not a long-term obstacle to the impact of Internet finance and its impact. Financial disintermediation is being popularized, small and medium-sized rural financial institutions must follow the rules of the game in the Internet era, in the new industry division of labor, factor distribution process to enhance their own strength, to obtain survival and development. Therefore, on the basis of expounding the development of Internet finance in our country and its influence on small and medium-sized rural financial institutions, this paper tries to make a deep analysis of the development of Internet finance, the operation mode and so on. Combined with the development of small and medium-sized rural financial institutions, this paper puts forward the countermeasures and development strategies of small and medium-sized rural financial institutions under the background of Internet finance. This article takes the Internet finance as the research object, revolves around the Internet finance to the small and medium-sized rural financial institution influence this one theme, this article has arranged six parts to launch the elaboration and the analysis: the first part is the introduction, This paper mainly introduces the background and significance of this paper, the research problems and main contents, the research methods and technical route, and gives the possible innovation and deficiency of the paper, and clarifies the value of this study. The second part is literature review, through combing and summing up the relevant theoretical categories in the domestic and foreign literature, the connotation and extension of Internet finance are clarified, and on this basis, the research angle of this paper is established. The third part is the basic theory of Internet finance. The fourth part is the empirical study of information and communication technology, financial inclusion and economic growth. This paper selects the most typical data indicators of modern communication technology, such as Internet, fixed telephone, mobile phone, to explain and explain the real economic phenomenon. The in-depth analysis of statistical data is the focus of this chapter. The fifth part is the impact of Internet finance on small and medium rural financial institutions. The sixth part is the conclusions and policy recommendations. Based on the empirical research, the conclusion is drawn and the policy recommendations for the development of small and medium-sized rural financial institutions are put forward.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.35;F724.6
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本文編號(hào)：2008244