本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)銀行　； 參考：《云南財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)在全球的普及以及廣泛應(yīng)用,互聯(lián)網(wǎng)金融應(yīng)運(yùn)而生并迅速發(fā)展起來,網(wǎng)上銀行、手機(jī)銀行、第三方支付、“寶寶”類理財(cái)產(chǎn)品、P2P網(wǎng)貸等金融創(chuàng)新業(yè)務(wù)在我國蓬勃發(fā)展,由此形成了一種新的金融模式——互聯(lián)網(wǎng)金融商業(yè)模式。目前,互聯(lián)網(wǎng)金融的迅猛發(fā)展,對金融機(jī)構(gòu)尤其是銀行業(yè)的沖擊已經(jīng)顯現(xiàn)出來,未來隨著互聯(lián)網(wǎng)金融發(fā)展不斷壯大,將會與商業(yè)銀行展開更加激烈的競爭,甚至改變銀行業(yè)的經(jīng)營模式和運(yùn)行格局。論文在對互聯(lián)網(wǎng)金融背景下商業(yè)銀行理財(cái)業(yè)務(wù)受到的影響進(jìn)行分析之后,對X商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展現(xiàn)狀及存在的問題進(jìn)行了分析,在此基礎(chǔ)上,論文提出了銀行理財(cái)業(yè)務(wù)面對互聯(lián)網(wǎng)金融的沖擊的對策和建議:第一,加強(qiáng)業(yè)務(wù)創(chuàng)新。首先要創(chuàng)新經(jīng)營思維,重視互聯(lián)網(wǎng)理財(cái)?shù)摹伴L尾效應(yīng)”,開展普惠金融;其次是針對中小客戶的理財(cái)需求,創(chuàng)新產(chǎn)品設(shè)計(jì)。第二,提升產(chǎn)品營銷水平,靈活調(diào)整互聯(lián)網(wǎng)理財(cái)收益,加強(qiáng)互聯(lián)網(wǎng)理財(cái)渠道,充分運(yùn)用“兩微”營銷策略。第三,加強(qiáng)人員素質(zhì)建設(shè),對互聯(lián)網(wǎng)金融個(gè)人理財(cái)業(yè)務(wù)相關(guān)人員進(jìn)行培訓(xùn)與考核。第四,進(jìn)一步完善風(fēng)險(xiǎn)管理。商業(yè)銀行理財(cái)業(yè)務(wù)引入互聯(lián)網(wǎng)平臺之后,風(fēng)險(xiǎn)勢必加大,因此要將對互聯(lián)網(wǎng)平臺的監(jiān)管納入到銀行理財(cái)業(yè)務(wù)的整個(gè)風(fēng)險(xiǎn)管理之中。第五,強(qiáng)化技術(shù)支持。首先展開與互聯(lián)網(wǎng)金融平臺的合作,利用互聯(lián)網(wǎng)平臺開展理財(cái)業(yè)務(wù);其次是優(yōu)化操作平臺,提高交易的便捷性;最后利用大數(shù)據(jù)分析,針對用戶需求進(jìn)行營銷。在互聯(lián)網(wǎng)金融背景下,商業(yè)銀行理財(cái)業(yè)務(wù)只有順應(yīng)市場變化,變革業(yè)務(wù)模式,創(chuàng)新服務(wù)理念,更好更快地滿足客戶需求,才能在這場戰(zhàn)爭中迎難而上,鞏固市場地位。
[Abstract]:With the popularity and wide application of the Internet in the world, Internet finance has emerged and developed rapidly. Internet banking, mobile banking, third-party payment, Financial innovation business such as Peer-to-Peer loan (P2P), a kind of financial product of "Bao Bao", is booming in China, and a new financial model, Internet financial business model, has been formed. At present, with the rapid development of Internet finance, the impact on financial institutions, especially the banking sector, has been revealed. In the future, with the continuous development of Internet finance, more fierce competition will be launched with commercial banks. Even to change the banking business model and operational pattern. After analyzing the influence of the financial management business of commercial banks under the background of Internet finance, the paper analyzes the current situation and existing problems of the personal finance business of X commercial bank, and on this basis, The paper puts forward the countermeasures and suggestions of bank financial business facing the impact of Internet finance: first, strengthen business innovation. First of all, we should innovate management thinking, attach importance to the "long tail effect" of Internet financing, and develop inclusive finance; secondly, we should aim at the financial needs of small and medium-sized customers and innovate product design. Second, improve the level of product marketing, adjust the income of Internet financing flexibly, strengthen the channels of Internet financing, and make full use of "two micro" marketing strategies. Third, strengthen the construction of personnel quality, Internet financial personal finance business related personnel training and assessment. Fourth, further improve risk management. After the introduction of commercial bank financial services into the Internet platform, the risks are bound to increase, so the supervision of the Internet platform should be brought into the whole risk management of banking business. Fifth, strengthen technical support. First, the cooperation with the Internet financial platform, using the Internet platform to carry out financial business; secondly, optimize the operating platform to improve the convenience of transactions; finally, use big data analysis, marketing to meet the needs of users. Under the background of Internet finance, only by adapting to the market change, changing the business model, innovating the service idea and satisfying the customer's demand better and faster can commercial banks meet the difficulties and consolidate the market position in this war.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 彭碧;孫英雋;;互聯(lián)網(wǎng)金融影響下銀行理財(cái)產(chǎn)品的創(chuàng)新分析——基于博弈論的視角[J];金融與經(jīng)濟(jì);2015年05期

2 李利娜;;大資管趨勢下銀行理財(cái)產(chǎn)品轉(zhuǎn)型的路徑選擇及相關(guān)風(fēng)險(xiǎn)分析[J];區(qū)域金融研究;2015年05期

3 朱焱;汪靜;;金融機(jī)構(gòu)“非標(biāo)”資產(chǎn)業(yè)務(wù)發(fā)展對宏觀審慎管理的影響機(jī)理研究[J];金融發(fā)展研究;2015年02期

4 李紹昆;;互聯(lián)網(wǎng)金融:模式與風(fēng)險(xiǎn)防范[J];山東行政學(xué)院學(xué)報(bào);2015年01期

5 吳曉求;;互聯(lián)網(wǎng)金融:成長的邏輯[J];財(cái)貿(mào)經(jīng)濟(jì);2015年02期

6 王錦虹;;互聯(lián)網(wǎng)金融對商業(yè)銀行盈利影響測度研究——基于測度指標(biāo)體系的構(gòu)建與分析[J];財(cái)經(jīng)理論與實(shí)踐;2015年01期

7 瞿明山;;互聯(lián)網(wǎng)金融對商業(yè)銀行影響分析[J];財(cái)經(jīng)界(學(xué)術(shù)版);2015年01期

8 皮天雷;趙鐵;;互聯(lián)網(wǎng)金融:范疇、革新與展望[J];財(cái)經(jīng)科學(xué);2014年06期

9 陳一稀;;互聯(lián)網(wǎng)金融的概念、現(xiàn)狀與發(fā)展建議[J];金融發(fā)展評論;2013年12期

10 袁博;李永剛;張逸龍;;互聯(lián)網(wǎng)金融發(fā)展對中國商業(yè)銀行的影響及對策分析[J];金融理論與實(shí)踐;2013年12期

相關(guān)博士學(xué)位論文 前1條

1 王文興;服裝網(wǎng)絡(luò)營銷策略研究[D];東華大學(xué);2010年

，

本文編號：1986679