本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：業(yè)務(wù)流程　出處：《河北大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近五年來(lái)金融領(lǐng)域新興起互聯(lián)網(wǎng)金融,其憑借大數(shù)據(jù)、平臺(tái)開(kāi)發(fā)等互聯(lián)網(wǎng)技術(shù)和分享、開(kāi)放、普惠等互聯(lián)網(wǎng)精神獲得快速發(fā)展,推進(jìn)了我國(guó)金融改革的進(jìn)程,強(qiáng)化了金融服務(wù)于經(jīng)濟(jì)的功能,影響了人們生活中支付、理財(cái)、創(chuàng)業(yè)等的實(shí)現(xiàn)方式。基于互聯(lián)網(wǎng)對(duì)各個(gè)行業(yè)一貫的革新性和國(guó)內(nèi)特殊的金融環(huán)境,互聯(lián)網(wǎng)金融的發(fā)展有其原動(dòng)力和廣闊前景。一方面是互聯(lián)網(wǎng)金融的迅猛發(fā)展和良好預(yù)期,另一方面卻是發(fā)展進(jìn)程中企業(yè)的良莠不齊和人才的缺乏等種種問(wèn)題。鑒于此,本文對(duì)互聯(lián)網(wǎng)金融領(lǐng)域所需人才及人才特征進(jìn)行研究,得出人才結(jié)構(gòu)圖,目的在于對(duì)互聯(lián)網(wǎng)金融未來(lái)的人才建設(shè)提供一定指導(dǎo)。本文通過(guò)文獻(xiàn)梳理和案例分析,首先界定了互聯(lián)網(wǎng)金融的概念,認(rèn)為互聯(lián)網(wǎng)金融是一個(gè)時(shí)代,并對(duì)國(guó)內(nèi)外互聯(lián)網(wǎng)金融的發(fā)展史進(jìn)行了梳理;其次在十三類(lèi)互聯(lián)網(wǎng)金融模式中重點(diǎn)選取了其中六類(lèi)典型模式,分別是第三方支付、基金網(wǎng)銷(xiāo)、互聯(lián)網(wǎng)保險(xiǎn)、大數(shù)據(jù)貸款、P2P貸款、眾籌,并一一結(jié)合案例(支付寶、余額寶、眾安在線、螞蟻微貸、眾籌網(wǎng))對(duì)各個(gè)模式的業(yè)務(wù)流程進(jìn)行分解;最后根據(jù)業(yè)務(wù)流程得出互聯(lián)網(wǎng)金融所需人才,畫(huà)出人才結(jié)構(gòu)圖。此外,鑒于網(wǎng)絡(luò)銀行模式尚未成熟但十分重要,在展望部分亦進(jìn)行了粗淺分析。
[Abstract]:In the past five years, Internet finance has newly emerged in the financial field. It has developed rapidly with the help of Internet technologies such as big data, platform development, and other Internet technologies, such as sharing, opening up, and universal access, which has pushed forward the process of financial reform in our country. It strengthens the function of financial services to the economy, and affects the ways to realize payment, finance and entrepreneurship in people's lives. Based on the constant innovation of the Internet to various industries and the special domestic financial environment, The development of Internet finance has its motive force and broad prospect. On the one hand, it is the rapid development and good expectation of Internet finance, on the other hand, it is all sorts of problems such as the intermingling of enterprises and the lack of talents in the process of development. This paper studies the talents and their characteristics in the field of Internet finance, and draws the talent structure chart, which aims at providing some guidance for the construction of talents in the future of Internet finance. Firstly, this paper defines the concept of Internet finance, thinks that Internet finance is an era, and combs the history of the development of Internet finance at home and abroad. Secondly, it selects six typical models among the 13 types of Internet finance models. They are third-party payment, fund net sale, Internet insurance, big data loan P2P loan, crowdfunding, and one by one combined with cases (Alipay, Yu'e Bao, Chung an online, ant micro-loan, crowdfunding network) to decompose the business process of each model; Finally, according to the business process, the talent needed by Internet finance is obtained, and the talent structure diagram is drawn. In addition, in view of the immature but very important network banking model, this paper also makes a brief analysis in the outlook part.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F724.6;F832;C964.2

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本文編號(hào)：1588182