本文選題：互聯(lián)網(wǎng)金融 + 電子商務(wù)平臺(tái)��； 參考：《山西大學(xué)》2015年碩士論文

【摘要】：2013年,我國互聯(lián)網(wǎng)金融企業(yè)如雨后春筍一般,用互聯(lián)網(wǎng)思維影響和轉(zhuǎn)變著傳統(tǒng)金融的經(jīng)營模式、服務(wù)模式和金融業(yè)態(tài)、金融格局。互聯(lián)網(wǎng)金融呈現(xiàn)出飛速發(fā)展的態(tài)勢(shì),商業(yè)銀行為了鞏固現(xiàn)有的優(yōu)勢(shì)地位,開始積極尋求改變。比如招商銀行推出“手機(jī)錢包”業(yè)務(wù)、建設(shè)銀行開通“善融商務(wù)”、工商銀行推出“融e購”、中國銀行推出“中銀易商”戰(zhàn)略等。阿里巴巴、騰訊、京東、百度、新浪等互聯(lián)網(wǎng)企業(yè)則開始大力爭奪互聯(lián)網(wǎng)金融這塊美味的蛋糕,試圖構(gòu)建自己的金融商業(yè)模式。比如阿里巴巴除了余額寶又成立小額貸款公司、騰訊公司打通了連接財(cái)付通與微信的通道、百度和網(wǎng)易公司分別推出百度理財(cái)和網(wǎng)易理財(cái)?shù)�。互�?lián)網(wǎng)企業(yè)踏足到了金融行業(yè),攪動(dòng)著原有的金融格局,工商銀行選擇何種模式進(jìn)行互聯(lián)網(wǎng)金融的發(fā)展成為了關(guān)鍵。本文從金融、互聯(lián)網(wǎng)金融、大數(shù)據(jù)的概念開始,到互聯(lián)網(wǎng)金融的業(yè)務(wù)類型分析及其國內(nèi)外發(fā)展現(xiàn)狀,剖析了工商銀行面對(duì)互聯(lián)網(wǎng)金融所面臨的存款、支付、融資和信息資源方面的挑戰(zhàn)。雖然我國互聯(lián)網(wǎng)金融來勢(shì)兇猛,但尚未打破傳統(tǒng)的金融格局。因此本文就工商銀行現(xiàn)己部署的互聯(lián)網(wǎng)金融產(chǎn)品進(jìn)行具體分析,結(jié)合國外互聯(lián)網(wǎng)金融的創(chuàng)新產(chǎn)品,就工商銀行互聯(lián)網(wǎng)金融發(fā)展策略提出了自己的觀點(diǎn)。
[Abstract]:In 2013, China's Internet financial enterprises have sprung up, using Internet thinking to influence and change the traditional financial management mode, service mode and financial format, financial pattern.Internet finance shows a rapid development situation, commercial banks in order to consolidate the existing advantages, began to actively seek to change.For example, China Merchants Bank launched "mobile wallet" business, China Construction Bank launched "good business", Industrial and Commercial Bank of China launched "E-purchase", Bank of China launched "Bank of China" strategy.Alibaba, Tencent, JingDong, Baidu, Sina and other Internet companies are scrambling for the delicious cake of Internet finance, trying to build their own financial business model.For example, Alibaba also set up a microfinance company in addition to Yu'e Bao. Tencent has opened up a channel linking Tenpay and WeChat, and Baidu and NetEase have launched Baidu Financial Management and NetEase Financial Management respectively.Internet enterprises have stepped into the financial industry, stirring up the original financial structure, which mode ICBC chooses to develop Internet finance has become the key.This paper begins with the concepts of finance, Internet finance and big data, and analyzes the business types of Internet finance and the present situation of its development at home and abroad, and analyzes the deposit and payment faced by ICBC in the face of Internet finance.Challenges in financing and information resourcesAlthough China's Internet finance is ferocious, it has not yet broken the traditional financial pattern.Therefore, this paper makes a concrete analysis of the Internet financial products that ICBC has deployed, and puts forward its own viewpoint on the development strategy of ICBC's Internet finance combined with the innovative products of foreign Internet finance.
【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832.33

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本文編號(hào)：1737250