本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：余額寶　出處：《廈門(mén)大學(xué)》2014年碩士論文

【摘要】：2013年被稱(chēng)為中國(guó)的“互聯(lián)網(wǎng)金融”元年,先不論這個(gè)稱(chēng)呼是否準(zhǔn)確,但是2013年確實(shí)對(duì)于國(guó)內(nèi)“互聯(lián)網(wǎng)金融”而言,具有十分重大的意義,而這其中的關(guān)鍵就是以“余額寶”為代表的互聯(lián)網(wǎng)理財(cái)產(chǎn)品的橫空出世。 “余額寶”為代表的互聯(lián)網(wǎng)理財(cái)產(chǎn)品的誕生,對(duì)國(guó)內(nèi)的金融市場(chǎng)產(chǎn)生了巨大的影響,可以說(shuō)是極具震撼效果,并引發(fā)了全社會(huì)的高度關(guān)注。余額寶等互聯(lián)網(wǎng)理財(cái)產(chǎn)品憑借其良好的流動(dòng)性和高收益,吸引了大量個(gè)人客戶(hù),并對(duì)銀行傳統(tǒng)的經(jīng)營(yíng)方式造成了重大沖擊,分流了部分銀行存款。本文選擇余額寶作為此類(lèi)產(chǎn)品的典型代表,對(duì)其業(yè)務(wù)流程和相關(guān)特點(diǎn)進(jìn)行分析,并探討其成功原因和可能存在的問(wèn)題。 由于余額寶等互聯(lián)網(wǎng)理財(cái)產(chǎn)品的出現(xiàn),國(guó)內(nèi)金融業(yè)競(jìng)爭(zhēng)愈發(fā)激烈。農(nóng)村商業(yè)銀行作為區(qū)域性的小型農(nóng)村金融機(jī)構(gòu),由于綜合實(shí)力相對(duì)較弱,將會(huì)面臨更嚴(yán)峻和挑戰(zhàn)。 本文選取F農(nóng)村商業(yè)銀行(以下簡(jiǎn)稱(chēng)F農(nóng)商銀行)作為樣本,在對(duì)該行的個(gè)人儲(chǔ)蓄業(yè)務(wù)經(jīng)營(yíng)數(shù)據(jù)進(jìn)行分析的基礎(chǔ)上,通過(guò)問(wèn)卷調(diào)查和理論分析兩種方式進(jìn)行研究,分析以余額寶為代表的互聯(lián)網(wǎng)理財(cái)產(chǎn)品對(duì)小型農(nóng)村金融機(jī)構(gòu)的影響,既包括直接影響也包括間接影響。在研究直接影響時(shí),側(cè)重于從F農(nóng)商銀行和互聯(lián)網(wǎng)理財(cái)產(chǎn)品的客戶(hù)群著手,比較二者客戶(hù)群的特點(diǎn),以此分析互聯(lián)網(wǎng)理財(cái)產(chǎn)品對(duì)F農(nóng)商銀行儲(chǔ)蓄業(yè)務(wù)的影響力；在研究間接影響時(shí),側(cè)重于余額寶等產(chǎn)品實(shí)際推動(dòng)了存款利率市場(chǎng)化的本質(zhì),從而進(jìn)一步深入討論在新的競(jìng)爭(zhēng)形勢(shì)下,F農(nóng)商銀行的短板所在。同時(shí),本文在上述分析基礎(chǔ)上對(duì)F農(nóng)商銀行未來(lái)的發(fā)展提出相關(guān)政策建議。
[Abstract]:2013 is called the first year of "Internet finance" in China, regardless of whether it is accurate or not, but 2013 does have great significance for domestic "Internet finance". And the key is to "Yu'e Bao" for the representative of the Internet financial products. The birth of Internet financial products represented by "Yu'e Bao" has had a tremendous impact on the domestic financial market, which can be said to have a very shocking effect. Yu'e Bao and other Internet financial management products, with their good liquidity and high returns, have attracted a large number of individual customers, and have had a major impact on the traditional management methods of banks. This paper chooses Yu'e Bao as a typical representative of this kind of products, analyzes its business process and related characteristics, and discusses the reasons for its success and possible problems. Due to the appearance of Yu'e Bao and other Internet financial products, the competition in the domestic financial industry is becoming more and more intense. As a regional small rural financial institution, rural commercial banks will face more severe and challenges because of their relatively weak comprehensive strength. This paper selects F Rural Commercial Bank (hereinafter referred to as F Rural Commercial Bank) as the sample, on the basis of the analysis of the bank's personal savings business management data, through the questionnaire survey and theoretical analysis of two ways to study. This paper analyzes the impact of Internet financial products, represented by Yu'e Bao, on small rural financial institutions, including both direct and indirect effects. This paper focuses on the analysis of the influence of Internet wealth management products on the savings business of F Rural Commercial Bank and Internet Financial products by comparing the characteristics of the two customer groups. Focusing on Yu'e Bao and other products has actually promoted the essence of the marketization of deposit interest rates, thus further discussing in depth where the short board of the Agricultural and Commercial Bank is in the new competitive situation. At the same time, On the basis of the above analysis, this paper puts forward some policy suggestions for the future development of F Agricultural Commercial Bank.
【學(xué)位授予單位】：廈門(mén)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F724.6;F832.35;F832.2

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 宮哲;洪金明;;互聯(lián)網(wǎng)理財(cái)對(duì)商業(yè)銀行資產(chǎn)管理業(yè)務(wù)影響探析[J];農(nóng)村金融研究;2015年02期

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本文編號(hào)：1655624