本文關(guān)鍵詞：中國互聯(lián)網(wǎng)金融與傳統(tǒng)商業(yè)銀行關(guān)系研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：在信息時代,現(xiàn)代信息技術(shù)與互聯(lián)網(wǎng)技術(shù)都迅猛發(fā)展,影響著各行各業(yè),金融行業(yè)也受到了很大的影響。互聯(lián)網(wǎng)金融打破了傳統(tǒng)金融服務(wù)模式的禁錮,秉承著“互聯(lián)網(wǎng)精神”為人們提供了更加高效便捷的優(yōu)質(zhì)服務(wù)。互聯(lián)網(wǎng)金融對傳統(tǒng)商業(yè)銀行的影響是多方面的,首先表現(xiàn)在互聯(lián)網(wǎng)金融對傳統(tǒng)商業(yè)銀行是一種沖擊,從根本上打破了傳統(tǒng)金融的經(jīng)營模式和運行格局;其次,互聯(lián)網(wǎng)金融也促進(jìn)了傳統(tǒng)商業(yè)銀行進(jìn)行變革和創(chuàng)新,從而應(yīng)對沖擊,實現(xiàn)長期發(fā)展。傳統(tǒng)商業(yè)銀行仍然占據(jù)著不可撼動的重要地位,互聯(lián)網(wǎng)金融的發(fā)展也勢不可擋,在一段時期內(nèi)或者一定程度上二者是相互競爭的矛盾體,但是從現(xiàn)代金融的長遠(yuǎn)發(fā)展角度看,二者相互影響,共同促進(jìn)了現(xiàn)代金融體系的完善。探索和分析互聯(lián)網(wǎng)金融自身的模式和特點,可以更加了解互聯(lián)網(wǎng)金融,而且有助于探索和把握未來金融的發(fā)展方向;將互聯(lián)網(wǎng)金融和傳統(tǒng)商業(yè)銀行進(jìn)行分析比較,研究二者的關(guān)系和相互影響,有助于探索出二者的互利共贏的融合之道以及如何完善現(xiàn)代金融體系。導(dǎo)論部分首先從近年來國家戰(zhàn)略和互聯(lián)網(wǎng)金融的發(fā)展?fàn)顩r、對傳統(tǒng)商業(yè)銀行的影響以及傳統(tǒng)商業(yè)銀行的改革來闡述本文的研究背景與意義。然后對國內(nèi)外有關(guān)的研究進(jìn)行簡練、綜合的概述與總結(jié),提出本文的研究思路與研究方法。最后闡述了本文可能的創(chuàng)新點以及本文所存在的不足之處。正文部分首先對互聯(lián)網(wǎng)金融進(jìn)行概述,從廣義與狹義兩方面概括總結(jié)了互聯(lián)網(wǎng)金融的內(nèi)涵與概念,闡述了互聯(lián)網(wǎng)金融的模式和特點;然后運用SWOT分析方法分別對互聯(lián)網(wǎng)金融和傳統(tǒng)商業(yè)銀行進(jìn)行分析,分析二者自身的競爭優(yōu)勢、競爭劣勢、機會和威脅;之后采用比較分析與案例分析相結(jié)合的方法分析了互聯(lián)網(wǎng)金融對傳統(tǒng)商業(yè)銀行的影響,從沖擊、促進(jìn)作用,以及兩者的相互融合與作用,共同完善現(xiàn)代金融體系幾個方面進(jìn)行展開敘述。最后分別闡述了互聯(lián)網(wǎng)金融與傳統(tǒng)商業(yè)銀行為了共同促進(jìn)完善現(xiàn)代金融體系各自的發(fā)展演進(jìn)策略。
[Abstract]:In the information age, modern information technology and Internet technology have developed rapidly, affecting all walks of life, and the financial industry has also been greatly affected. Internet finance has broken the confinement of the traditional financial service mode, and the "Internet spirit" provides people with more efficient and convenient service. The Internet finance affects many aspects of traditional commercial bank, the first performance in the Internet is a kind of financial impact on traditional commercial banks, fundamentally broke the traditional financial management mode and operation pattern; secondly, the Internet financial also promotes the traditional commercial banks to reform and innovation, so as to cope with the impact of long-term development. The traditional commercial banks still occupy an important position can not be shaken, the development of Internet banking is a trend which cannot be halted, during a period of time or to a certain extent, the two is the contradiction of mutual competition, but from the perspective of modern financial development and the two influence each other, and jointly promote the improvement of the modern financial system. Exploration and analysis of patterns and characteristics of Internet finance itself, you can learn more about the Internet finance, but also helps to explore and grasp the future development direction of finance; will the Internet Finance and traditional commercial banks were analyzed and compared, research the relationship between the two and mutual influence, is helpful to explore the fusion of the two win-win road and how to improve the modern financial system. The introductory part first expounds the background and significance of this research from the recent development of national strategy and Internet finance, the influence of traditional commercial banks and the reform of traditional commercial banks. Then a brief and comprehensive summary and summary of relevant research at home and abroad are carried out, and the research ideas and methods of this paper are put forward. At the end of this paper, the possible innovation points and the shortcomings of this article are expounded. The first part gives an overview of the Internet finance, summarizes the connotation and concept of Internet banking from the broad and narrow sense in two aspects, expounds the mode and characteristics of Internet finance; then using the SWOT analysis method of Internet banking and traditional commercial banks are analyzed, the analysis of the two competitive advantage, competitive disadvantage, opportunities and threats after the comparative analysis; analysis of the Internet financial impact on traditional commercial banks and the case analysis method of combining, promote from the impact and role, and combine with the effect of the two, together to improve the modern financial system in several aspects narrative. Finally, it expounds the development and evolution strategies of Internet Finance and traditional commercial banks in order to promote the improvement of the modern financial system.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.33

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