發(fā)布時間：2018-03-01 10:00

  本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 城市商業(yè)銀行 經(jīng)營理念 服務(wù)模式 產(chǎn)品創(chuàng)新　出處：《吉林財經(jīng)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：互聯(lián)網(wǎng)金融如雨后春筍般迅速崛起,造就了一場具有劃時代意義的變革,改變了一代人的生活方式。整個金融行業(yè)都在這場變革中受到強(qiáng)有力的競爭壓力。特別是城市商業(yè)銀行的經(jīng)營理念、經(jīng)營模式、產(chǎn)品創(chuàng)新和服務(wù)模式方面深受影響。論文認(rèn)為,城市商業(yè)銀行必須深刻領(lǐng)悟互聯(lián)網(wǎng)金融的新型模式,了解互聯(lián)網(wǎng)金融帶給人們生活方式的轉(zhuǎn)變。了解互聯(lián)網(wǎng)金融的獨(dú)特性質(zhì),比較兩者的優(yōu)劣勢。利用現(xiàn)代科技,采納互聯(lián)網(wǎng)金融精神,不斷創(chuàng)新經(jīng)營。努力將城市商業(yè)銀行自身打造成互聯(lián)網(wǎng)經(jīng)濟(jì)大背景下的新型金融機(jī)構(gòu)。從互聯(lián)網(wǎng)金融視角分析城商行的發(fā)展,探究互聯(lián)網(wǎng)金融對城市商業(yè)銀行的影響具有重要的意義。論文通過對現(xiàn)有的相關(guān)文獻(xiàn)進(jìn)行分析整理以及在實(shí)際工作中了解到城市商業(yè)銀行(吉林銀行)基本情況,介紹了互聯(lián)網(wǎng)金融的特性以及當(dāng)前國內(nèi)外的發(fā)展現(xiàn)狀,同時介紹了城市商業(yè)銀行的歷史背景和發(fā)展現(xiàn)狀,分析了隨著互聯(lián)網(wǎng)金融的快速發(fā)展,城市商業(yè)銀行受到的影響和沖擊。剖析城市商業(yè)銀行的相對優(yōu)勢。通過對吉林銀行實(shí)際影響的闡述,直觀地了解互聯(lián)網(wǎng)金融的產(chǎn)生給城市商業(yè)銀行所帶來的影響。面對互聯(lián)網(wǎng)金融對城市商業(yè)銀行的種種影響,城市商業(yè)銀行首先應(yīng)該轉(zhuǎn)變經(jīng)營理念,保持清醒的頭腦、敏銳的市場嗅覺,正確認(rèn)識當(dāng)前經(jīng)濟(jì)背景下,城市商業(yè)銀行的目標(biāo)客戶為哪些,將中小企業(yè)和高端個人客戶作為發(fā)展對象,有針對的采取經(jīng)營策略;其次,應(yīng)以“一切以客戶為中心”創(chuàng)新金融產(chǎn)品、簡化業(yè)務(wù)流程,縮短審批時限,尊重客戶體驗(yàn)感。同大型商業(yè)銀行合作,借助大型商業(yè)銀行目前日趨完善的電商平臺,實(shí)現(xiàn)P2P、B2B、B2C等方式的靈活運(yùn)用;最后,城市商業(yè)銀行應(yīng)加強(qiáng)風(fēng)險管理。獲得互聯(lián)網(wǎng)金融所帶來的好處的同時,一定防范其所帶來風(fēng)險,將風(fēng)險扼殺于搖籃之中。
[Abstract]:The rapid rise of Internet finance has created an epoch-making revolution. Changing the way of life of a generation. The whole financial industry is under strong competitive pressure in this transformation. Especially the business philosophy, business model, product innovation and service model of city commercial banks. City commercial banks must have a deep understanding of the new model of Internet finance, understand the changes that Internet finance brings to people's way of life, understand the unique nature of Internet finance, compare the advantages and disadvantages of the two, and make use of modern science and technology. Adopting the spirit of Internet finance, innovating management constantly, making the city commercial bank itself a new financial institution under the background of the Internet economy, analyzing the development of the city commercial bank from the angle of Internet finance, It is of great significance to explore the impact of Internet finance on urban commercial banks. This paper analyzes and collates the existing relevant documents and finds out the basic situation of City Commercial Bank (Jilin Bank) in practical work. This paper introduces the characteristics of Internet finance and the current development situation at home and abroad, introduces the historical background and development status of urban commercial banks, and analyses the rapid development of Internet finance. The impact and impact of urban commercial banks. The comparative advantages of urban commercial banks are analyzed. The actual impact of Jilin Bank is expounded. In the face of the influence of Internet finance on urban commercial banks, city commercial banks should first change their business philosophy and keep a clear mind. A keen market sense of smell, a correct understanding of the current economic background, which are the target customers of urban commercial banks, small and medium-sized enterprises and high-end individual customers as the development object, have targeted to adopt business strategy; secondly, We should innovate financial products with "all customers as the center", simplify the business process, shorten the examination and approval time limit, and respect the customer experience. In cooperation with the large commercial banks, we should make use of the increasingly perfect e-commerce platform of the large commercial banks. Finally, the city commercial banks should strengthen the risk management and obtain the benefits of Internet finance, at the same time, they must guard against the risks brought by them and strangle the risks in the cradle.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.33;F724.6

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本文編號：1551441