發(fā)布時(shí)間：2018-06-08 08:36

  本文選題：網(wǎng)上銀行 + 理財(cái)產(chǎn)品�。� 參考：《廣西大學(xué)》2014年碩士論文

【摘要】：隨著大數(shù)據(jù)技術(shù)的日漸成熟,大資管時(shí)代已經(jīng)來臨�；ヂ�(lián)網(wǎng)金融產(chǎn)品的飛速發(fā)展加快了利率市場化的進(jìn)程,給傳統(tǒng)商業(yè)銀行的業(yè)務(wù)開展帶來巨大的沖擊。在此情況下,傳統(tǒng)銀行依靠存貸利差為主要利潤的方式已經(jīng)無法持續(xù)。傳統(tǒng)商業(yè)銀行不能再單純依靠擴(kuò)大資產(chǎn)規(guī)模去經(jīng)營,急需著眼于擴(kuò)大中間業(yè)務(wù)收入來增加經(jīng)營利潤。大力發(fā)展網(wǎng)上銀行成為傳統(tǒng)商業(yè)銀行的新出路,通過運(yùn)用大數(shù)據(jù)和互聯(lián)網(wǎng)技術(shù)降低經(jīng)營成本,拓寬經(jīng)營范圍,從重視資產(chǎn)的規(guī)模經(jīng)營逐漸轉(zhuǎn)向重視客戶個(gè)性化需求的精細(xì)化經(jīng)營,以多層次多樣化的產(chǎn)品和服務(wù)占領(lǐng)市場份額。 本文基于現(xiàn)有國內(nèi)外文獻(xiàn)的研究,通過對(duì)我國網(wǎng)上銀行理財(cái)產(chǎn)品的發(fā)展情況、現(xiàn)存問題及外部沖擊進(jìn)行研究探討。緊扣當(dāng)今互聯(lián)網(wǎng)金融發(fā)展主題,以成熟的大數(shù)據(jù)挖掘技術(shù)為前提,借鑒美國嘉信理財(cái)公司經(jīng)營方式成功轉(zhuǎn)型的發(fā)展經(jīng)驗(yàn),參考國內(nèi)“余額寶”等互聯(lián)網(wǎng)金融理財(cái)產(chǎn)品運(yùn)作模式,從戰(zhàn)略定位、產(chǎn)品設(shè)計(jì)、營銷策略三個(gè)角度出發(fā),為我國網(wǎng)上銀行的理財(cái)產(chǎn)品設(shè)計(jì)創(chuàng)新型方案。最后結(jié)合當(dāng)今我國的市場環(huán)境與經(jīng)濟(jì)發(fā)展情況作出可行性分析,力求為我國網(wǎng)上銀行理財(cái)產(chǎn)品的發(fā)展提供創(chuàng)新方向,以滿足我國廣大投資者日益增長的理財(cái)需求。
[Abstract]:With the maturation of big data technology, the era of large capital management has come. The rapid development of Internet financial products speeds up the process of interest rate marketization and brings great impact to the traditional commercial banks. In this case, the traditional banks rely on deposit and loan spreads as the main profit has been unsustainable. Traditional commercial banks can no longer rely solely on expanding the scale of assets to operate. It is urgent to focus on the expansion of intermediate business income to increase operating profits. The development of online banking has become a new way out for traditional commercial banks. Through the use of big data and Internet technology to reduce operating costs and broaden the scope of business, From the scale management of assets to the meticulous management of customer's individualized demand, the market share is occupied by multi-level and diversified products and services. Through the research on the development of online banking financial products in China, the existing problems and external shocks. Following closely to the theme of Internet finance development today, taking mature big data mining technology as the premise, drawing lessons from the successful transformation development experience of the American Credit Suisse Financial Management Company, referring to the domestic "Yu'e Bao" and other Internet financial management products operating mode, From the three angles of strategic orientation, product design and marketing strategy, this paper designs an innovative scheme for the financial products of our country's online bank. Finally, combining with the market environment and the economic development of our country, the paper makes a feasibility analysis, and tries to provide the innovative direction for the development of the financial products of our country's online banking, in order to meet the increasing financial needs of the investors in our country.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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本文編號(hào)：1995379