本文選題：互聯(lián)網(wǎng)　切入點(diǎn)：商業(yè)銀行　出處：《陜西師范大學(xué)》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)技術(shù)的發(fā)展,對傳統(tǒng)商業(yè)銀行提出了全新的挑戰(zhàn)。這種新的挑戰(zhàn),不僅僅是表面的新業(yè)務(wù)形態(tài)、新表現(xiàn)方式所能涵蓋,更體現(xiàn)為內(nèi)部精神氣質(zhì)的變更。這種精神氣質(zhì)的變更,與互聯(lián)網(wǎng)所帶來的新的權(quán)力關(guān)系聯(lián)系在一起。在互聯(lián)網(wǎng)技術(shù)所帶來的新權(quán)力模式下,金融組織遭遇到一系列深層次應(yīng)對。目標(biāo)客戶群的變更、信任模式的轉(zhuǎn)變、金融內(nèi)涵的變動等的變化是這些變化的具體體現(xiàn)�；ヂ�(lián)網(wǎng)金融帶來了以大數(shù)據(jù)為核心的新征信體系的確立,以及聯(lián)系線上-線下的征信模式的發(fā)展。新的征信模式使得互聯(lián)網(wǎng)的分權(quán)精神與金融的風(fēng)險控制得以統(tǒng)一,新的互聯(lián)網(wǎng)金融根基落實,這些變化使得傳統(tǒng)金融組織遭到了互聯(lián)網(wǎng)金融的沖擊。傳統(tǒng)金融是以大客戶作為主要目標(biāo)的,對分散的小客戶重視不足。在互聯(lián)網(wǎng)經(jīng)濟(jì)大環(huán)境的影響下,傳統(tǒng)金融業(yè)遭到了諸多挑戰(zhàn)。ZG銀行A分行在互聯(lián)網(wǎng)金融的沖擊下,中介角色弱化,客戶需求發(fā)生變更,既有利益遭到分流。這要求A分行正面應(yīng)對,首先是調(diào)整自身的角色定位,其次是更好地面向客戶需求,第三是多元化自身的業(yè)務(wù)渠道。從具體過程來看,要應(yīng)對互聯(lián)網(wǎng)金融的挑戰(zhàn),A分行可以考慮如下措施,首先是調(diào)整戰(zhàn)略定位,其二是發(fā)起戰(zhàn)略聯(lián)盟,其三是優(yōu)化客戶體驗,其四是線上線下結(jié)合,第五是構(gòu)筑電商及支付平臺。研究認(rèn)為,要實現(xiàn)ZG銀行A分行的根本轉(zhuǎn)型,應(yīng)對互聯(lián)網(wǎng)金融的挑戰(zhàn),必須從吸取互聯(lián)網(wǎng)所帶來的人類權(quán)力狀況變動與信任關(guān)系變化等根本性變化出發(fā),不僅在具體措施等淺層次實現(xiàn)調(diào)整,更要實現(xiàn)組織戰(zhàn)略變更等更深層次的調(diào)整,從而推動以銀行為代表的傳統(tǒng)金融業(yè)真正實現(xiàn)轉(zhuǎn)型,為客戶提供更好的服務(wù)。
[Abstract]:With the development of Internet technology, the traditional commercial banks are facing a new challenge.This new challenge, not only the surface of the new business form, the new performance can be covered, but also reflected in the internal spirit of the change.This change in ethos is linked to the new power relationship brought about by the Internet.Under the new power mode brought by Internet technology, financial organizations encounter a series of deep-level responses.The change of target customer group, trust mode and financial connotation is the concrete embodiment of these changes.Internet finance has brought about the establishment of a new credit system with big data as the core, and the development of the credit information mode between the above and the line.The new credit information mode unifies the decentralization spirit of the Internet and the financial risk control, and the new Internet financial foundation is implemented. These changes make the traditional financial organizations suffer the impact of the Internet finance.The traditional finance takes the big customer as the main target, but pays less attention to the scattered small customer.Under the influence of the Internet economy, the traditional financial industry has been challenged by many challenges. Under the impact of Internet finance, the intermediary role is weakened, the customer needs are changed, and the existing benefits are diverted.This requires A branch to respond positively, first to adjust its role orientation, secondly to better meet the needs of customers, and third, to diversify its own business channels.In terms of the specific process, to meet the challenge of Internet finance, Branch A can consider the following measures: first, adjusting strategic positioning; second, launching strategic alliances; third, optimizing customer experience; fourth, integrating online and offline.The fifth is to build e-commerce and payment platform.The research holds that in order to realize the fundamental transformation of ZG Bank A Branch, and to deal with the challenge of Internet finance, we must start from the fundamental changes such as the changes in human power status and trust relationship brought by the Internet.It is necessary not only to realize the adjustment at the superficial level, such as concrete measures, but also to realize the deeper adjustment such as the change of organizational strategy, so as to promote the transformation of the traditional financial industry represented by banks and to provide better service for customers.
【學(xué)位授予單位】：陜西師范大學(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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