本文關(guān)鍵詞：城市商業(yè)銀行互聯(lián)網(wǎng)金融發(fā)展研究　出處：《蘭州大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：隨著信息技術(shù)的進(jìn)步和網(wǎng)絡(luò)覆蓋率的提升,互聯(lián)網(wǎng)金融應(yīng)運(yùn)而生并有強(qiáng)勁的發(fā)展勢(shì)頭,這勢(shì)必會(huì)給傳統(tǒng)金融行業(yè)帶來(lái)沖擊。當(dāng)前金融市場(chǎng)深化改革、利率市場(chǎng)化加速,城商行面臨前所未有的挑戰(zhàn),轉(zhuǎn)型勢(shì)在必行,如果城商行能對(duì)互聯(lián)網(wǎng)金融有深刻理解,互聯(lián)網(wǎng)金融未嘗不是城商行轉(zhuǎn)型發(fā)展的一把利器。本文首先從城商行發(fā)展現(xiàn)狀這一內(nèi)部原因和互聯(lián)網(wǎng)技術(shù)高速發(fā)展、城商行面臨更為嚴(yán)峻的競(jìng)爭(zhēng)環(huán)境這一外部原因分析,得出城商行發(fā)展互聯(lián)網(wǎng)金融的必然性。其次對(duì)互聯(lián)網(wǎng)金融特點(diǎn)及各模式做出介紹。然后分析各模式對(duì)商業(yè)銀行的不同影響,不同的模式對(duì)銀行的影響各有不同,有沖擊也有合作。再次,分析互聯(lián)網(wǎng)金融帶給城商行的創(chuàng)新及機(jī)遇；最后,對(duì)城商行發(fā)展互聯(lián)網(wǎng)金融提出幾點(diǎn)對(duì)策�；ヂ�(lián)網(wǎng)金融帶給傳統(tǒng)商業(yè)銀行的機(jī)遇與挑戰(zhàn)并存,目前互聯(lián)網(wǎng)企業(yè)涉足金融業(yè)在其規(guī)模和業(yè)績(jī)上尚未給銀行帶來(lái)實(shí)質(zhì)性沖擊,更多的是在思想、技術(shù)和模式層面的沖擊。如果城商行能夠深入理解互聯(lián)網(wǎng)金融的內(nèi)涵,學(xué)習(xí)互聯(lián)網(wǎng)金融的理念,互聯(lián)網(wǎng)金融將會(huì)是城商行轉(zhuǎn)型的利器。而且在互聯(lián)網(wǎng)金融尚處于初步發(fā)展階段的今天,越早發(fā)力的銀行更易獲得較多的資源,并為后續(xù)發(fā)展奠定先發(fā)優(yōu)勢(shì)。如果要將互聯(lián)網(wǎng)金融深入銀行各個(gè)層面,將其根植于銀行基因中,傳統(tǒng)商業(yè)銀行必然要進(jìn)行大刀闊斧地改革,甚至深入到組織架構(gòu)。城市商業(yè)銀行與大型銀行相比固然存在很多劣勢(shì),但“船小好掉頭”是城商行的獨(dú)具優(yōu)勢(shì)。如果城商行能夠利用好這一契機(jī),積極創(chuàng)新,很有可能在一些新興業(yè)務(wù)上趕超大銀行,形成競(jìng)爭(zhēng)力,而這種競(jìng)爭(zhēng)力的形成依靠傳統(tǒng)經(jīng)營(yíng)領(lǐng)域?qū)崿F(xiàn)起來(lái)的難度要大得多。
[Abstract]:With the coverage of the progress of information technology and network promotion, Internet Finance emerges and a strong momentum of development, which will bring a shock to the traditional financial industry. The current financial market deepening reform, accelerating the interest rate market, city commercial banks facing the hitherto unknown challenge, it is imperative to transition, if the City firm can have a deep understanding of the Internet finance. The Internet financial restructuring and development of the city firm is not a weapon. Firstly, from the present situation of the development of city commercial banks the internal reasons and fast development of Internet technology, more severe competition environment causes the external analysis of city commercial banks facing, the necessity of the development of Internet banking business to the city. Secondly the introduction of the financial characteristics of the Internet and the effect of each model. Then analysis of different models of commercial banks, the impact on the banks of the different modes are different, there are also impact Cooperation. Once again, the Internet financial analysis to city business innovation and opportunity; finally, the city firm Internet financial development put forward some countermeasures. Internet banking brings opportunities and challenges to the traditional commercial banks coexist, the Internet companies involved in the financial industry in the scale and the performance does not bring substantial impact to the bank, is more in theory, technology and model level impact. If the connotation of city commercial banks to in-depth understanding of the Internet finance, Internet Financial learning concept, the Internet will be the financial tool city commercial transformation. And in Internet banking is still in the preliminary stage of development today, the sooner the force banks easier to get more resources, and to lay the first the advantage for the subsequent development. If the Internet financial depth bank at all levels, it is rooted in the gene bank, traditional commercial banks must be carried out Make snap to reform, even deep into the organization. The city commercial banks compared with large banks although there are many disadvantages, but the small boat U-turn is a city firm with unique advantages. If the city firm can take advantage of this opportunity, positive innovation, most likely in some new business to catch up with the big banks, the formation of competitiveness the formation of this competition, rely on the traditional business areas to achieve it is much more difficult.

【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.2;F724.6

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本文編號(hào)：1410356