【摘要】：隨著社會經濟的快速發(fā)展,以眾籌、p2p網貸、第三方支付、電子商務等為代表的互聯(lián)網金融出現(xiàn)給傳統(tǒng)金融模式帶來了不小的沖擊。傳統(tǒng)金融模式逐漸被互聯(lián)網金融模式所替代,其擁有簡單、快捷的特點,對整個銀行業(yè)產生巨大影響,大型國有商業(yè)銀行比城市商業(yè)銀行擁有更大的規(guī)模、更完善的體系、更優(yōu)秀的風控能力,導致城市商業(yè)銀行在未來的發(fā)展中有更大的挑戰(zhàn)。因此,城市商業(yè)銀行應及時適應互聯(lián)網金融帶來的影響,并積極開展互聯(lián)網金融的建設,實現(xiàn)轉變營業(yè)模式。本文從城市商業(yè)銀行的角度,研究在互聯(lián)網金融的快速發(fā)展沖擊下,商業(yè)銀行的受到哪些影響,應當如何把握好互聯(lián)網金融的發(fā)展機遇進行業(yè)務轉型。通過分析,本文認為,互聯(lián)網金融的發(fā)展在很大程度上影響了傳統(tǒng)金融行業(yè)的業(yè)務發(fā)展、市場拓展、客戶群體沉淀,使得城市商業(yè)銀行金融中介角色逐漸弱化,利率市場化進程加快,銀行利差收入逐漸減小,金融脫媒速度更快。然后就互聯(lián)網金融對銀行業(yè)和城市商業(yè)銀行的負債、資產、中間業(yè)務收入三個方面的影響進行了分析和闡述,再對當前各家商業(yè)銀行參與互聯(lián)網金融新興業(yè)務模式進行逐個闡述和優(yōu)劣勢分析,并重點從監(jiān)管背景、“互聯(lián)網+”金融產品、業(yè)績數(shù)據(jù)分析等方面具體剖析了江蘇銀行互聯(lián)網金融的實踐案例,最后以我國城市商業(yè)銀行為例,對城市商業(yè)銀行在互聯(lián)網金融快速發(fā)展環(huán)境下應當如何進行改革以及在轉型過程中城市商業(yè)銀行必須要注重哪方面的力量建設,在經營體系的改革上,應該加大中間業(yè)務的發(fā)展力度,加快直銷銀行的建設,資產負債管理的增強,利用本地市場資源的優(yōu)勢建設電商經營模式;同時在產品角度,個人零售、小微企業(yè)業(yè)務應積極開發(fā)創(chuàng)新,聯(lián)合不同領域搭建金融生態(tài)鏈;從渠道建設來看,應該物理網點和電子渠道同步發(fā)展,物理網點作為銀行的信任支撐點同樣應該進行優(yōu)化改造;在體制方面要逐步推動混合所有制改革。本文認為,傳統(tǒng)銀行金融模式并不會被互聯(lián)網金融所取代,互聯(lián)網金融只是為傳統(tǒng)金融注入一股新的能量,城市商業(yè)銀行應該結合自身的優(yōu)勢將互聯(lián)網金融的影響轉換為自身發(fā)展的機遇,最終達到可持續(xù)發(fā)展。
[Abstract]:With the rapid development of social economy, the emergence of Internet finance, such as crowdfunding P2P network loan, third-party payment, e-commerce and so on, has brought a great impact to the traditional financial model. The traditional financial model is gradually replaced by the Internet financial model, which has the characteristics of simplicity and rapidity, and has a great impact on the whole banking industry. The large state-owned commercial banks have a larger scale and a more perfect system than the urban commercial banks. Better wind-control capability leads to greater challenges for urban commercial banks in the future development. Therefore, city commercial banks should adapt to the influence of Internet finance in time, carry out the construction of Internet finance actively, and realize the change of business mode. From the point of view of city commercial banks, this paper studies how commercial banks are affected by the impact of the rapid development of Internet finance, and how to grasp the development opportunities of Internet finance for business transformation. Based on the analysis, this paper believes that the development of Internet finance has greatly affected the business development of traditional financial industry, market expansion, customer group precipitation, which makes the role of financial intermediary of city commercial banks weaken gradually. The interest rate marketization process speeds up, the bank interest rate difference income gradually reduces, the financial disintermediation speed is faster. Then it analyzes and expounds the impact of Internet finance on the liabilities, assets and intermediate business income of the banking industry and the city commercial banks. After that, the paper analyzes the advantages and disadvantages of the current commercial banks' participation in the emerging business models of Internet finance, and focuses on the regulatory background, "Internet" financial products, This paper analyzes the practical cases of Jiangsu Bank's Internet finance from the aspects of performance data analysis, and finally takes the city commercial banks of our country as an example. How to reform the city commercial banks under the environment of the rapid development of Internet finance, and in the process of transformation, which aspects of the city commercial banks must pay attention to the construction of power, in the reform of the management system, We should step up the development of intermediary business, speed up the construction of direct selling banks, enhance the management of assets and liabilities, use the advantages of local market resources to build e-commerce business models, and at the same time, from the product point of view, individual retailing, Small and micro enterprises should actively develop and innovate, combine different fields to set up financial ecological chain, from the perspective of channel construction, physical network and electronic channel should develop simultaneously, and physical network should also be optimized and reformed as the supporting point of bank trust. In terms of the system, we should gradually push forward the reform of mixed ownership. This paper argues that the traditional banking financial model will not be replaced by the Internet finance, which only infuses a new energy into the traditional finance. City commercial banks should combine their own advantages to transform the influence of Internet finance into opportunities for their own development, and finally achieve sustainable development.
【學位授予單位】：江西財經大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.33

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