本文關(guān)鍵詞： 商業(yè)模式 盈利模式 互聯(lián)網(wǎng)金融 商業(yè)銀行　出處：《北京外國語大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來,互聯(lián)網(wǎng)金融是一個(gè)熱點(diǎn)問題。他對(duì)我們的影響不僅限于融資渠道,連我們的思維方式也都因其改變了。在過去的三十年中,由于我國金融市場發(fā)展的不完善,個(gè)人和企業(yè)的投融資標(biāo)的選擇往往是被動(dòng)的,金融企業(yè)提供哪些金融產(chǎn)品我們就接受哪些,并且我們的投融資范圍往往限定于間接融資�；ヂ�(lián)網(wǎng)金融的發(fā)展極大程度的改變了市場的競爭格局,信息而不僅僅是資金也在金融市場競爭中扮演了很重要的角色。在金融市場中,我國傳統(tǒng)商業(yè)銀行的發(fā)展時(shí)間最久,資金體量最大,扮演著最重要的角色。在過去,我國長期實(shí)行利率管制,存貸利差較大,給傳統(tǒng)商業(yè)銀行帶來了很大的話語權(quán),也帶來了很高的利潤,但與此同時(shí)也抑制了商業(yè)銀行尋求更加高效的商業(yè)模式�；ヂ�(lián)網(wǎng)金融的發(fā)展,給我國傳統(tǒng)的商業(yè)銀行無論是在整體盈利水平還是在商業(yè)模式上都帶來了很大的沖擊。本文研究的目的就是發(fā)現(xiàn)互聯(lián)網(wǎng)金融的發(fā)展到底給傳統(tǒng)商業(yè)銀行的商業(yè)模式帶來了哪些沖擊,并尋找傳統(tǒng)商業(yè)銀行可以通過哪些方式來實(shí)現(xiàn)突破,扭轉(zhuǎn)當(dāng)前局面。本文的主要內(nèi)容包括商業(yè)模式模型介紹,互聯(lián)網(wǎng)金融及傳統(tǒng)商業(yè)銀行發(fā)展現(xiàn)狀及商業(yè)模式介紹,并對(duì)兩者的商業(yè)模式進(jìn)行了對(duì)比,還有以中國銀行為例,分析了互聯(lián)網(wǎng)金融對(duì)我國商業(yè)銀行商業(yè)模式的影響,最后提出解決我國商業(yè)銀行商業(yè)模式創(chuàng)新之路。研究的方法是文獻(xiàn)閱讀法和案例分析法。研究的結(jié)論是我國傳統(tǒng)商業(yè)銀行商業(yè)模式的創(chuàng)新需要走更加專業(yè)化之路。本文的創(chuàng)新之處在于以商業(yè)模式模型的角度對(duì)比分析了互聯(lián)網(wǎng)金融和傳統(tǒng)商業(yè)銀行,而不僅僅是從業(yè)務(wù)的角度來分析。
[Abstract]:In recent years, Internet finance has been a hot issue. Its impact on us is not limited to financing channels, even our way of thinking has changed because of it. In the past 30 years. Because of the imperfect development of financial market in our country, the choice of investment and financing target of individuals and enterprises is often passive, and we accept which financial products financial enterprises provide. And our scope of investment and financing is often limited to indirect financing. The development of Internet finance has greatly changed the competitive pattern of the market. Information, not just capital, also plays an important role in the competition of financial market. In the financial market, the traditional commercial banks of our country have the longest development time and the largest amount of funds. It plays the most important role. In the past, our country carried out the interest rate control for a long time, the deposit and loan interest rate difference is big, has brought the very big speech right to the traditional commercial bank, also has brought the very high profit. But at the same time, it also inhibits the development of commercial banks seeking more efficient business model. Internet finance. The purpose of this paper is to find out that the development of Internet finance is the commercial model of traditional commercial banks. What kind of impact. And look for the traditional commercial banks to achieve breakthrough and reverse the current situation. The main content of this paper includes the introduction of business model. Internet finance and traditional commercial banks development status and business model introduction, and the comparison of the two business models, as well as the Bank of China as an example. This paper analyzes the impact of Internet finance on the commercial model of commercial banks in China. Finally, the paper puts forward the way to solve the innovation of commercial model of commercial banks in China. The methods of research are literature reading method and case analysis method. The conclusion of the study is that the innovation of commercial model of traditional commercial banks in China needs to take a more specialized road. The innovation of this paper lies in the comparative analysis of Internet finance and traditional commercial banks from the perspective of business model model. Not just from a business perspective.
【學(xué)位授予單位】：北京外國語大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

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本文編號(hào)：1462576