本文選題：互聯(lián)網(wǎng)金融　切入點：ZS銀行　出處：《山東理工大學(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)加速向各行業(yè)、各領(lǐng)域滲透融合,為互聯(lián)網(wǎng)金融業(yè)務(wù)發(fā)展提供了廣闊空間,大批互聯(lián)網(wǎng)企業(yè)紛紛涉水互聯(lián)網(wǎng)金融業(yè)務(wù),對各類傳統(tǒng)金融業(yè)務(wù)產(chǎn)生了較大的沖擊,其中受影響最大的就是商業(yè)銀行。各大銀行通過推出類余額寶產(chǎn)品、完善網(wǎng)上銀行及手機銀行功能、打造自身電商平臺等舉措不斷在互聯(lián)網(wǎng)金融領(lǐng)域?qū)で笸黄?加快了商業(yè)銀行業(yè)務(wù)發(fā)展數(shù)字化和網(wǎng)絡(luò)化的進程。而且,當(dāng)前中國正不斷踐行“普惠金融”理念,商業(yè)銀行如何應(yīng)對“普惠金融”所帶來的機遇和挑戰(zhàn)實現(xiàn)“長尾效應(yīng)”已迫在眉睫。商業(yè)銀行發(fā)展互聯(lián)網(wǎng)金融業(yè)務(wù)已屬大勢所趨,在此背景下,作者選取在互聯(lián)網(wǎng)金融業(yè)務(wù)發(fā)展方面處于行業(yè)領(lǐng)先水平的ZS銀行作為研究對象具有較強的現(xiàn)實意義。本文綜合運用了文獻歸納法、PEST分析、五力模型、SWOT分析等分析方法,從金融模式、金融中介、互聯(lián)網(wǎng)金融業(yè)務(wù)風(fēng)險及監(jiān)管等角度對國內(nèi)外文獻研究進行了總結(jié);從網(wǎng)絡(luò)金融、移動金融、遠程金融、智慧金融四大領(lǐng)域?qū)S銀行互聯(lián)網(wǎng)金融業(yè)務(wù)發(fā)展現(xiàn)狀進行了分析;從政治和法律環(huán)境、經(jīng)濟環(huán)境、社會和文化環(huán)境、技術(shù)環(huán)境四個方面對宏觀環(huán)境進行了PEST分析;對產(chǎn)業(yè)環(huán)境從產(chǎn)業(yè)內(nèi)現(xiàn)有企業(yè)的競爭等五個方面進行了五力模型分析;在分析的基礎(chǔ)上對ZS銀行發(fā)展互聯(lián)網(wǎng)金融業(yè)務(wù)的內(nèi)部優(yōu)劣勢及外部機遇和挑戰(zhàn)進行了總結(jié);隨后構(gòu)建SWOT分析矩陣,在此基礎(chǔ)上總結(jié)出“積極建立客戶、系統(tǒng)、產(chǎn)品三位一體的在線供應(yīng)鏈融資體系”、“創(chuàng)新大數(shù)據(jù)分析提升風(fēng)控水平”等適合ZS銀行互聯(lián)網(wǎng)金融業(yè)務(wù)發(fā)展的策略,對ZS銀行互聯(lián)網(wǎng)金融領(lǐng)域業(yè)務(wù)發(fā)展有一定的指導(dǎo)意義。
[Abstract]:In recent years, the Internet has accelerated the integration of various industries and fields, which has provided a broad space for the development of Internet financial business. A large number of Internet enterprises have waded into Internet financial business, which has had a great impact on all kinds of traditional financial business. Among them, commercial banks are the most affected. By introducing Yu'e Bao products, improving the functions of online banking and mobile banking, and building their own e-commerce platforms, major banks are constantly seeking breakthroughs in the field of Internet finance. It has accelerated the process of digitizing and networking the business of commercial banks. Moreover, at present, China is constantly practicing the concept of "inclusive finance". It is urgent for commercial banks to deal with the opportunities and challenges brought about by "inclusive finance" and realize the "long tail effect". It is a general trend for commercial banks to develop their financial services on the Internet. It is of great practical significance to select ZS Bank, which is in the leading position in the development of Internet financial business, as the object of study. In this paper, the author makes use of the methods of literature induction analysis, SWOT analysis and so on. From the financial model, financial intermediary, Internet financial business risk and supervision and other aspects of domestic and foreign literature are summarized, from the network finance, mobile finance, long-distance finance, This paper analyzes the current situation of the development of Internet financial business of ZS bank in four major fields of intelligent finance, including political and legal environment, economic environment, social and cultural environment, technological environment, and makes PEST analysis on the macro environment. This paper analyzes the industrial environment from five aspects, such as the competition of the existing enterprises in the industry, summarizes the internal advantages and disadvantages and the external opportunities and challenges of the development of the Internet financial business of ZS bank on the basis of the analysis. Then the SWOT analysis matrix is constructed, and on the basis of this, the author concludes that "actively establishing customer, system, Product trinity of online supply chain financing system "," innovative big data analysis to improve the level of risk control "suitable for ZS bank Internet financial business development strategy, ZS bank Internet finance business development has certain guiding significance.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2;F724.6

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