發(fā)布時(shí)間：2018-05-21 11:36

  本文選題：互聯(lián)網(wǎng)金融 + YC農(nóng)商銀行��； 參考：《廣東財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著經(jīng)濟(jì)全球化的到來,我國金融業(yè)已經(jīng)全面進(jìn)入了互聯(lián)網(wǎng)發(fā)展的新時(shí)期,在這一時(shí)期,互聯(lián)網(wǎng)用戶規(guī)模呈現(xiàn)出快速增長的趨勢,人們的消費(fèi)習(xí)慣已經(jīng)逐漸向網(wǎng)絡(luò)消費(fèi)發(fā)展,這些都為互聯(lián)網(wǎng)金融的發(fā)展創(chuàng)造了有力的外部條件,也給銀行傳統(tǒng)業(yè)務(wù)的發(fā)展帶來了較大的沖擊。2015年我國銀行將互聯(lián)網(wǎng)金融寫入了國家的銀行報(bào)告中,這也說明國家對互聯(lián)網(wǎng)金融的重視程度逐漸增加。我國互聯(lián)網(wǎng)金融與西方發(fā)達(dá)國家相比起步較晚,對于互聯(lián)網(wǎng)金融的探索和運(yùn)用也正處于迅速發(fā)展的階段,互聯(lián)網(wǎng)金融業(yè)務(wù)暫時(shí)還依靠傳統(tǒng)的渠道進(jìn)行拓展,相互之間缺乏必要的溝通和聯(lián)系,這對我國互聯(lián)網(wǎng)金融背景下的銀行的生存和發(fā)展帶來了很多不利的影響。同時(shí),隨著我國對外開放的進(jìn)一步深入,外資銀行開始逐漸滲透到我國的金融領(lǐng)域,它們依靠在互聯(lián)網(wǎng)金融上的成熟技術(shù)和發(fā)展優(yōu)勢,迅速搶占我國銀行金融市場,對我國本土銀行的生存和發(fā)展帶來嚴(yán)重影響。我國銀行業(yè)想要在激烈的市場競爭中存在和發(fā)展下來,就必須要有緊迫感和危機(jī)意識,不斷加快金融體制改革,全面推進(jìn)銀行金融的電子化和信息化發(fā)展�？梢哉f,互聯(lián)網(wǎng)金融既是對我國銀行業(yè)的挑戰(zhàn),也是我國銀行業(yè)發(fā)展的動(dòng)力,只有充分利用互聯(lián)網(wǎng),以此發(fā)展我國的銀行產(chǎn)業(yè),才能促進(jìn)銀行業(yè)的健康、穩(wěn)定發(fā)展。本文正是基于此,以互聯(lián)網(wǎng)金融背景下的農(nóng)村商業(yè)銀行經(jīng)營模式作為研究對象,采用案例研究的方法,通過對YC農(nóng)商銀行互聯(lián)網(wǎng)金融背景下銀行發(fā)展的現(xiàn)狀進(jìn)行分析,結(jié)合SWOT分析的基本方法,指出銀行當(dāng)前在互聯(lián)網(wǎng)金融背景下經(jīng)營發(fā)展存在的問題,并在充分借鑒國外發(fā)達(dá)國家先進(jìn)經(jīng)驗(yàn)和做法的基礎(chǔ)上,提出相應(yīng)的優(yōu)化策略。從本文的研究看,本文的研究內(nèi)容主要包括以下幾部分:第一部分為緒論,提出本文的研究背景、研究意義、研究內(nèi)容和研究方法,并對當(dāng)前國內(nèi)外的研究現(xiàn)狀進(jìn)行全面梳理;第二部分為理論概述,本部分重點(diǎn)對互聯(lián)網(wǎng)金融基本理論和概念進(jìn)行了論述,在此基礎(chǔ)上對互聯(lián)網(wǎng)金融的特征、發(fā)展趨勢以及互聯(lián)網(wǎng)金融與商業(yè)銀行傳統(tǒng)經(jīng)營模式進(jìn)行了比較分析;第三部分為案例分析,首先對YC農(nóng)商銀行進(jìn)行了介紹,并從支付、理財(cái)和融資三個(gè)方面對YC農(nóng)商銀行的互聯(lián)網(wǎng)金融經(jīng)營模式情況進(jìn)行分析;第四部分采用SWOT分析的方法,對YC農(nóng)商銀行從銀行內(nèi)部和外部環(huán)境兩個(gè)方面對當(dāng)前銀行的優(yōu)勢、劣勢以及機(jī)會(huì)和威脅進(jìn)行全面的分析,同時(shí)本部分還重點(diǎn)從地方經(jīng)濟(jì)生態(tài)環(huán)境角度對銀行產(chǎn)品進(jìn)行分析;第五部分則是在前面部分分析的基礎(chǔ)上,對聯(lián)網(wǎng)金融背景下YC農(nóng)商銀行經(jīng)營模式優(yōu)化進(jìn)行構(gòu)建,本部分首先介紹了銀行經(jīng)營模式優(yōu)化的目標(biāo)和原則,在此基礎(chǔ)上指出從銀行經(jīng)營理念、經(jīng)營模式、產(chǎn)品及業(yè)務(wù)增長模式、服務(wù)模式、營銷模式、服務(wù)理念以及風(fēng)險(xiǎn)管理七個(gè)方面進(jìn)行優(yōu)化;第六部分為保障性措施,為了保證銀行經(jīng)營模式優(yōu)化的順利推行,本文指出要從增強(qiáng)管理層的重視程度、構(gòu)建基于大數(shù)據(jù)技術(shù)的服務(wù)體系、建立有效的互聯(lián)網(wǎng)金融管理體系和機(jī)制以及加強(qiáng)復(fù)合型人才的培養(yǎng)等四方面進(jìn)行;第七部分為結(jié)論,指出本文的研究結(jié)論,并針對研究不足提出后續(xù)的研究方向。
[Abstract]:With the advent of economic globalization, China's financial industry has fully entered the new era of Internet development. In this period, the Internet user scale has shown a rapid growth trend, and people's consumption habits have gradually developed into the network consumption. These have created strong external conditions for the development of Internet finance, and also to the banks. The development of traditional business has brought a big impact to the.2015 year. Our bank wrote the Internet finance into the National Bank report. This also indicates that the state has gradually increased its importance to Internet finance. China's Internet finance is relatively late in comparison with developed countries in the west, and the exploration and application of interconnected finance is also being rapidly being used. At the stage of development, the Internet financial business is still dependent on the traditional channels for the temporary expansion and lack of communication and connection between each other. This has brought many adverse effects on the survival and development of the banks under the background of Internet Finance in China. At the same time, with the further deepening of China's opening and opening, foreign banks began to penetrate gradually. In the financial field of our country, they rely on the mature technology and development advantage of Internet finance, quickly seize the financial market of China's banks, and have a serious impact on the survival and development of local banks in our country. It can be said that Internet finance is not only a challenge to our banking industry, but also the motive force of the development of our banking industry. Only by making full use of the Internet to develop our banking industry, can the banking industry be healthy and stable. Based on this, taking the management mode of rural commercial banks as the research object under the Internet financial background, this paper analyzes the current situation of bank development under the Internet financial background of YC agro commercial bank, and points out the problems existing in the bank's operation and development under the Internet financial background by using the method of case study. On the basis of the advanced experience and practice of foreign developed countries, the paper puts forward the corresponding optimization strategies. From the study of this paper, the main contents of this paper include the following parts: the first part is the introduction, the research background, the significance, the content and methods of the research, and the current research at home and abroad. The second part is an overview of the theory. This part focuses on the basic theory and concept of Internet finance. On this basis, the characteristics of Internet finance, the trend of development and the traditional business model of Internet Finance and commercial banks are compared and analyzed. The third part is the case analysis, first of the YC agricultural merchant silver. The line is introduced, and the Internet financial management mode of YC agricultural commercial bank is analyzed from three aspects of payment, financing and financing. The fourth part uses the method of SWOT analysis to analyze the advantages, disadvantages, opportunities and threats of the current bank from two aspects of the bank's internal and external environment. This part also focuses on the analysis of bank products from the point of view of local economic and ecological environment. The fifth part is based on the analysis of the previous part, and constructs the optimization of the business model of YC agricultural and Commercial Bank under the financial background of the network. This part first introduces the objectives and principles of the optimization of the bank management model. The management concept, business model, product and business growth mode, service mode, marketing mode, service concept and risk management are optimized in seven aspects. The sixth part is the guarantee measures. In order to ensure the smooth implementation of the optimization of the bank management model, this paper points out that the importance of strengthening the management level and the construction of large data technology based on large data technology are proposed. The service system, the establishment of effective Internet financial management system and mechanism and the strengthening of the training of complex talents, and so on four aspects. The seventh part is the conclusion, points out the conclusions of this paper, and puts forward the following research direction in view of the lack of research.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35

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