本文選題：網(wǎng)絡(luò)金融 + 商業(yè)銀行　； 參考：《安徽大學(xué)》2015年碩士論文

【摘要】：網(wǎng)絡(luò)金融興起于2012年,發(fā)展到2015年今天已經(jīng)進(jìn)入發(fā)展的高潮。在此期間,對(duì)網(wǎng)絡(luò)金融的討論持續(xù)熱鬧。余額寶、微信紅包等網(wǎng)絡(luò)理財(cái)類產(chǎn)品的出現(xiàn)更是引發(fā)大眾對(duì)網(wǎng)絡(luò)金融的熱情關(guān)注,其中的重點(diǎn)關(guān)注對(duì)象就是網(wǎng)絡(luò)金融對(duì)商業(yè)銀行的影響有多少。對(duì)于此現(xiàn)象,有人驚呼“銀行已成為弱勢(shì)群體”,認(rèn)為網(wǎng)絡(luò)金融讓商業(yè)銀行存款“失水”,對(duì)以“占山收錢”的商業(yè)銀行的業(yè)務(wù)經(jīng)營(yíng)有了很大的打擊。也有正統(tǒng)的的聲音認(rèn)為網(wǎng)絡(luò)金融更多地是引發(fā)商業(yè)銀行自身變革的一種外在力量,促進(jìn)我國(guó)利率市場(chǎng)化下的商業(yè)銀行轉(zhuǎn)型。隨著中國(guó)人民銀行和各類商業(yè)銀行不斷引進(jìn)和發(fā)展現(xiàn)代銀行支付系統(tǒng)與系統(tǒng)之間的網(wǎng)絡(luò)互聯(lián),在大多數(shù)城市銀行也更新了本地結(jié)算系統(tǒng)應(yīng)用系統(tǒng),儲(chǔ)蓄存款和取款系統(tǒng),銀行系統(tǒng),銀行服務(wù)企業(yè)系統(tǒng),銀行卡處理系統(tǒng)。通過(guò)增加金融體系的傳統(tǒng)金融服務(wù)和網(wǎng)上金融服務(wù)不斷完善的技能,這也有易宏觀金融管理和國(guó)家金融監(jiān)督管理,到現(xiàn)在為止,金融網(wǎng)絡(luò)越來(lái)越普遍,這種情況已經(jīng)初步形成。網(wǎng)絡(luò)金融獨(dú)特的運(yùn)作改變了傳統(tǒng)金融機(jī)構(gòu)模式,降低了交易成本,同時(shí)對(duì)金融服務(wù)效率也有很大的提高,也強(qiáng)調(diào)了金融機(jī)構(gòu)的重要地位。盡管在線金融帶來(lái)不可預(yù)測(cè)的風(fēng)險(xiǎn),但在同一時(shí)間,它是更經(jīng)濟(jì)利益驚人的。因此,銀行,中小企業(yè)的金融網(wǎng)絡(luò)面對(duì)應(yīng)積極采取措施,以適應(yīng)這一趨勢(shì),為更好的長(zhǎng)期發(fā)展的必由之路。此外,近年來(lái),中國(guó)人民銀行和各類商業(yè)銀行不斷引進(jìn)和發(fā)展現(xiàn)代銀行支付系統(tǒng)與系統(tǒng)之間的網(wǎng)絡(luò)互聯(lián),在大多數(shù)城市銀行也更新了本地結(jié)算系統(tǒng)應(yīng)用系統(tǒng),儲(chǔ)蓄存款和取款系統(tǒng),銀行系統(tǒng),銀行服務(wù)企業(yè)系統(tǒng),銀行卡處理系統(tǒng)。通過(guò)增加金融體系的傳統(tǒng)金融服務(wù)和網(wǎng)上金融服務(wù)不斷完善的技能,這也有益宏觀金融管理和國(guó)家金融監(jiān)督管理,到現(xiàn)在為止,金融網(wǎng)絡(luò)越來(lái)越普遍,這種情況已經(jīng)初步形成。網(wǎng)絡(luò)金融獨(dú)特的運(yùn)作改變了傳統(tǒng)金融機(jī)構(gòu)模式,降低了交易成本,同時(shí)對(duì)金融服務(wù)效率也有很大的提高,也強(qiáng)調(diào)了金融機(jī)構(gòu)的重要地位。盡管在線金融帶來(lái)不可預(yù)測(cè)的風(fēng)險(xiǎn),但在同一時(shí)間,它是更經(jīng)濟(jì)利益驚人的。因此,銀行,中小企業(yè)的金融網(wǎng)絡(luò)面對(duì)應(yīng)積極采取措施,以適應(yīng)這一趨勢(shì),為更好的長(zhǎng)期發(fā)展的必由之路。至今,發(fā)展中的網(wǎng)絡(luò)金融已步步成為國(guó)內(nèi)金融業(yè)的主要形式,對(duì)我國(guó)的成果管理與發(fā)展金融業(yè)的現(xiàn)代化和水平提高國(guó)際競(jìng)爭(zhēng)力起著至關(guān)重要的作用。此外,持續(xù)的技術(shù)發(fā)展,以“支付寶”,“余額寶”,“人人貸”等新形式的網(wǎng)絡(luò)金融發(fā)展飛速,運(yùn)行兩年多的余額寶,目前的存款超過(guò)了7117.24億元,超過(guò)1.49億用戶,有超過(guò)6%的理財(cái)收益率。2014年P(guān)2P有超過(guò)3829億元,是2013年的2.39倍。正是在這一背景下,本文對(duì)網(wǎng)絡(luò)金融對(duì)商業(yè)銀行業(yè)務(wù)經(jīng)營(yíng)的影響展開分析。本文從研究網(wǎng)絡(luò)金融的內(nèi)涵入手,并對(duì)我國(guó)網(wǎng)絡(luò)金融的發(fā)展模式及現(xiàn)狀進(jìn)行了研究,同時(shí),對(duì)比研究了我國(guó)網(wǎng)絡(luò)金融與傳統(tǒng)商業(yè)銀行優(yōu)勢(shì)的比較。在此基礎(chǔ)上,本文以商業(yè)銀行資產(chǎn)負(fù)債規(guī)模、經(jīng)營(yíng)利潤(rùn)、流動(dòng)性水平和資產(chǎn)質(zhì)量四個(gè)方面詳細(xì)研究分析網(wǎng)絡(luò)金融對(duì)商業(yè)銀行業(yè)務(wù)經(jīng)營(yíng)的影響研究,對(duì)網(wǎng)絡(luò)金融的不同發(fā)展模式對(duì)傳統(tǒng)商業(yè)銀行的影響研究進(jìn)行討論分析。通過(guò)分析,本文認(rèn)為,網(wǎng)絡(luò)金融的不同發(fā)展模式主要通過(guò)影響商業(yè)銀行的利差收入和銀行的表外業(yè)務(wù)收入來(lái)影響商業(yè)銀行的業(yè)務(wù)經(jīng)營(yíng)規(guī)模。其中,余額寶平臺(tái)、網(wǎng)絡(luò)支付結(jié)算平臺(tái)和網(wǎng)絡(luò)理財(cái)平臺(tái)是對(duì)傳統(tǒng)商業(yè)銀行影響較大的。最后,本文通過(guò)研究四個(gè)方面的當(dāng)前下網(wǎng)絡(luò)金融的業(yè)務(wù)模式上的競(jìng)爭(zhēng)情形,從商業(yè)銀行業(yè)務(wù)經(jīng)營(yíng)的通道業(yè)務(wù)、融資的形成和投資理財(cái)?shù)确矫娼o出了相應(yīng)對(duì)策。得出金融網(wǎng)絡(luò)和網(wǎng)絡(luò)金融不是同一概念,網(wǎng)絡(luò)金融和商業(yè)銀行有不同的營(yíng)業(yè)模式,與網(wǎng)絡(luò)金融相比較,商業(yè)銀行在通道類業(yè)務(wù)和投資理財(cái)類業(yè)務(wù)創(chuàng)新的競(jìng)爭(zhēng)中處于不利地位,對(duì)于不同的業(yè)務(wù)類型商,商業(yè)銀行應(yīng)揚(yáng)長(zhǎng)避短,并尋找機(jī)會(huì)與該領(lǐng)域網(wǎng)絡(luò)金融合作。
[Abstract]:The emergence of network finance in 2012, developed to the climax of development in 2015. During this period, the discussion of network finance continued to be busy. The emergence of net finance products such as the balance treasure, WeChat red packet and other network financial products caused the public to pay more attention to the network finance, and the focus of attention is the shadow of network finance to commercial banks. For this phenomenon, some people say "the bank has become a weak group". It thinks that the Internet finance has made commercial banks lose their water and has a great blow to the business operation of the commercial banks that take the "account for money". In order to promote the transformation of commercial banks under the interest rate marketization of China, as the people's Bank of China and various commercial banks continue to introduce and develop the network interconnection between the modern bank payment system and the system, the local settlement system application system is also updated in most urban banks, savings deposits and withdrawal systems, banking systems, banks Service enterprise system, bank card processing system. Through increasing the skills of improving the traditional financial services and online financial services in the financial system, it is also easy to manage macro financial management and national financial supervision. So far, the financial network is becoming more and more common. This situation has been initially formed. The unique operation of the network finance has changed. The traditional financial institutions have reduced the transaction costs and also greatly improved the efficiency of financial services. It also emphasizes the importance of financial institutions. Although online finance brings unpredictable risks, it is more economic benefits at the same time. Therefore, Bank of banking, the financial network of small and medium-sized enterprises should take active measures. In addition, in recent years, the people's Bank of China and all kinds of commercial banks have continuously introduced and developed the network interconnection between the modern bank payment system and the system. In most urban banks, the application system of the local calculation system, the savings deposit and the withdrawal system, the bank are also updated in most urban banks. System, banking service enterprise system, bank card processing system. Through increasing the skills of improving the traditional financial services and online financial services in the financial system, it is also beneficial to macro financial management and national financial supervision and management. By now, the financial network is becoming more and more common. This situation has been initially formed. The traditional financial institutions have changed the mode of the financial institutions, reduced the transaction costs, and also greatly improved the efficiency of financial services. It also emphasized the importance of the financial institutions. Although the online finance brings unpredictable risks, it is more economical at the same time. Therefore, the financial network of the banks and small and medium-sized enterprises should face the product. So far, the developing network finance has become the main form of the domestic financial industry. It plays a vital role in the achievement management and the development of the financial industry in the modernization and level of the international competitiveness. "Alipay", "balance of treasure", "peer-to-peer lending" and other new forms of network financial rapid development, the balance of treasure run more than two years, the current deposit more than 711 billion 724 million yuan, more than 149 million users, more than 6% rate of return financial years.2014 P2P has more than 382 billion 900 million yuan, is 2.39 times that of 2013. It is under this background, this paper focuses on the network of gold On the basis of studying the connotation of the network finance, this paper studies the development mode and present situation of China's network finance, and compares the comparative advantages of China's network finance with the traditional commercial banks. On this basis, this paper is based on the scale of commercial banks' assets and liabilities. Four aspects of profit, liquidity level and asset quality are studied and analyzed in detail, and the influence of Network Finance on business operation of commercial banks is studied. The influence of different development modes of Network Finance on traditional commercial banks is discussed and analyzed. The profit margin of the bank and the income of the bank's off balance sheet business affect the business operation scale of the commercial banks. Among them, the Yu Ebao platform, the network payment and settlement platform and the network financial platform have great influence on the traditional commercial banks. Finally, this paper studies the competitive situation in the business model of the current network finance in four aspects. The channel business of commercial banks, the formation of financing and the investment and financial management have given the corresponding countermeasures. It is concluded that the financial network and the network finance are not the same concept, the network finance and the commercial banks have different business models. Compared with the network finance, the commercial banks compete in the channel business and the investment and financial management innovation. In a disadvantageous position, commercial banks should take advantages and avoid disadvantages for different business types and look for opportunities to cooperate with network finance in this field.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F724.6

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本文編號(hào)：1845434