本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 銀行 比較優(yōu)勢 競合關(guān)系 應(yīng)對措施　出處：《鄭州大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著“互聯(lián)網(wǎng)+”時代的到來,以第三方支付、網(wǎng)絡(luò)借貸、眾籌融資、余額寶等為代表的互聯(lián)網(wǎng)金融迅速崛起。“開放、平等、協(xié)作、分享”的互聯(lián)網(wǎng)精神給傳統(tǒng)金融帶來了新的理念,注入了新的活力,帶來了新的競爭�；ヂ�(lián)網(wǎng)金融的迅猛發(fā)展,對金融機(jī)構(gòu)尤其是HX銀業(yè)的沖擊已經(jīng)顯現(xiàn)出來,未來隨著互聯(lián)網(wǎng)金融發(fā)展不斷壯大,將會與銀行業(yè)展開更加激烈的競爭,甚至由此改變HX銀行的經(jīng)營模式和運(yùn)行格局。因此,在新的競爭格局下,深入研究互聯(lián)網(wǎng)金融對HX銀行的影響,重新審視自身的優(yōu)勢與不足,并以此為契機(jī)突破傳統(tǒng)商業(yè)模式的限制,再造業(yè)務(wù)流程和構(gòu)建新的價值網(wǎng)絡(luò),促成傳統(tǒng)業(yè)務(wù)拓展和經(jīng)營管理模式的徹底轉(zhuǎn)型具有重要的現(xiàn)實意義。該論文采取理論分析、比較分析、數(shù)據(jù)分析和定性分析相結(jié)合的方法,通過描述互聯(lián)網(wǎng)金融的理論基礎(chǔ),從理論上解釋其存在的合理性和強(qiáng)大的生命力;通過對互聯(lián)網(wǎng)跨界金融和銀行跨界互聯(lián)網(wǎng)從多個維度進(jìn)行比較分析,得出二者是一種競合關(guān)系;通過數(shù)據(jù)圖表描述互聯(lián)網(wǎng)金融的發(fā)展?fàn)顩r,為我們展現(xiàn)出了一幅生動的互聯(lián)網(wǎng)時代下的金融生態(tài)環(huán)境。本文回顧了國內(nèi)外關(guān)于此類研究的文獻(xiàn),發(fā)現(xiàn)以往研究主要分為三派:1.挑戰(zhàn)派。他們認(rèn)為互聯(lián)網(wǎng)金融對銀行業(yè)產(chǎn)生了巨大的挑戰(zhàn),如再不采取措施,其地位岌岌可危;2.互補(bǔ)派。他們認(rèn)為互聯(lián)網(wǎng)金融對銀行業(yè)的影響雖有挑戰(zhàn),但更多的是要優(yōu)勢互補(bǔ);3.合作派。他們認(rèn)為互聯(lián)網(wǎng)對商業(yè)銀行的影響有很強(qiáng)的沖擊力,二者不應(yīng)相互敵視,而應(yīng)相互合作。以上三種學(xué)派觀點雖然具有代表性,但不一定代表銀行業(yè)未來發(fā)展的趨勢,更不一定代表規(guī)律。我們認(rèn)為,應(yīng)當(dāng)從互聯(lián)網(wǎng)金融的本質(zhì)、特性以及未來HX銀行與互聯(lián)網(wǎng)相互跨界的比較中得到解決方案�；谶@種思路,本文嘗試著從互聯(lián)網(wǎng)金融內(nèi)涵、理論基礎(chǔ)和發(fā)展?fàn)顩r著手,詳細(xì)分析了互聯(lián)網(wǎng)金融對HX銀行的影響,并深入探討了互聯(lián)網(wǎng)跨界金融的“鯰魚效應(yīng)”倒逼銀行跨界互聯(lián)網(wǎng),提出互聯(lián)網(wǎng)金融與銀行之間既不是完全的相互斗爭,也不是單一的互補(bǔ),更不是簡單的合作,而是一種競合關(guān)系。以這種理念為基礎(chǔ),提出了HX銀行在跨界互聯(lián)網(wǎng)的過程中,要不斷吸收互聯(lián)網(wǎng)金融的優(yōu)勢,與互聯(lián)網(wǎng)企業(yè)形成戰(zhàn)略聯(lián)盟,實現(xiàn)與互聯(lián)網(wǎng)企業(yè)的融合,這是HX銀行的應(yīng)對之道。
[Abstract]:With the advent of the "Internet" era, Internet finance, represented by third-party payment, online lending, crowdfunding and Yu'e Bao, has risen rapidly. The Internet spirit of sharing has brought new ideas, new vitality, and new competition to traditional finance. The rapid development of Internet finance has shown its impact on financial institutions, especially the HX silver industry. In the future, with the development of Internet finance, there will be more fierce competition with the banking industry, and even change the operation pattern of HX bank. Therefore, under the new competition pattern, Deeply study the influence of Internet finance on HX bank, re-examine its own advantages and disadvantages, and take this opportunity to break through the limitation of traditional business model, reengineer business process and construct new value network. It is of great practical significance to promote the transformation of traditional business development and management mode. This paper adopts the methods of theoretical analysis, comparative analysis, data analysis and qualitative analysis to describe the theoretical basis of Internet finance. It explains the rationality and vitality of its existence theoretically, and draws a conclusion that it is a kind of competing relationship by comparing and analyzing the cross-border finance of Internet and the cross-border Internet of banks from several dimensions. The development of Internet finance is described by data charts, which shows us a vivid financial ecological environment in the Internet era. This paper reviews the literature of this kind of research at home and abroad. They found that previous studies were divided into three main groups: one: one. They believed that Internet finance posed a huge challenge to the banking sector, such as failing to take any more measures. Their position is at stake 2.The complementary faction. They believe that although the impact of Internet finance on the banking sector is challenging, it is more about complementing each other's strengths. They believe that the impact of the Internet on commercial banks has a strong impact. The two should not be hostile to each other, but should cooperate with each other. Although the above three schools of thought are representative, they do not necessarily represent the future development trend of the banking industry, let alone the law. We believe that the nature of Internet finance should be taken into account. Based on this idea, this paper tries to start with the connotation, theoretical foundation and development of Internet finance. This paper analyzes in detail the influence of Internet finance on HX Bank, and probes into the "catfish effect" of Internet Cross-border Finance, which forces banks to cross the Internet, and points out that Internet finance and banks are not completely fighting each other. Nor is it a single complement, not a simple cooperation, but a relationship of competition and cooperation. Based on this concept, it is proposed that HX banks should constantly absorb the advantages of Internet finance in the process of cross-border Internet. To form a strategic alliance with the Internet enterprises and realize the integration with the Internet enterprises, this is the HX Bank's response.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F724.6;F832.33

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本文編號：1508743