本文選題：互聯(lián)網(wǎng)金融 + 傳統(tǒng)商業(yè)銀行�。� 參考：《山東大學》2017年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)與信息技術的成長與變革,互聯(lián)網(wǎng)金融逐步興起并以驚人的速度不斷發(fā)展,滲入到人們生活的各個領域,改變?nèi)藗兊南M行為與消費習慣,從而對傳統(tǒng)商業(yè)銀行帶來了一定的影響。在互聯(lián)網(wǎng)金融大發(fā)展的趨勢之下,傳統(tǒng)商業(yè)銀行勢必要做出轉型,實現(xiàn)從傳統(tǒng)模式到互聯(lián)網(wǎng)模式的轉變以順應新時代的發(fā)展。本文從互聯(lián)網(wǎng)金融的特點與發(fā)展入手,闡述互聯(lián)網(wǎng)金融對傳統(tǒng)商業(yè)銀行的影響并提出轉型對策。文章共分為五大章節(jié)。首先,第一章節(jié)是對研究背景與意義、研究內(nèi)容與方法以及研究的創(chuàng)新與不足進行簡要說明,提出研究問題。第二章相關概念及文獻綜述部分對互聯(lián)網(wǎng)金融及其兩大業(yè)務的概念與發(fā)展做出詳盡闡述與綜合概括,同時對國內(nèi)外關于互聯(lián)網(wǎng)金融影響以及傳統(tǒng)商業(yè)銀行轉型的研究進行歸納。第三章主要由互聯(lián)網(wǎng)金融的支付與信貸兩大業(yè)務方面分別分析對商業(yè)銀行產(chǎn)生的影響,并通過構建結構方程模型來檢驗互聯(lián)網(wǎng)金融對傳統(tǒng)商業(yè)銀行的發(fā)展產(chǎn)生負向影響。第四章針對這些影響提出傳統(tǒng)商業(yè)銀行的轉型對策,一方面是通過內(nèi)生自我轉型,另一方面是通過外生并購進行轉型。對比兩種轉型成本,本文作者認為外生并購的方式轉型更高效,從而進一步分析傳統(tǒng)商業(yè)銀行并購轉型的對象,應選擇已經(jīng)存在或者正在轉到互聯(lián)網(wǎng)金融業(yè)務的連鎖經(jīng)濟。第五章是對整篇文章進行概括總結并提出研究展望。對于傳統(tǒng)商業(yè)銀行來說,如何進行轉型,從而利用好互聯(lián)網(wǎng)金融,把握客戶日益增長的需求進而成為真正有價值的銀行、客戶身邊的銀行才是重中之重。
[Abstract]:With the growth and change of the Internet and information technology, Internet finance is gradually rising and developing at an amazing speed. It has infiltrated into every field of people's life, changes people's consumption behavior and consumption habits, and has brought a certain influence on the traditional commercial banks. It is necessary to make a transition from the traditional model to the Internet mode to adapt to the development of the new era. This paper, starting with the characteristics and development of Internet finance, expounds the influence of Internet Finance on the traditional commercial banks and puts forward the countermeasures. The article is divided into five chapters. First, the first chapter is the background and meaning of the research. In the second chapter, the concept and development of the Internet Finance and its two major businesses are elaborated and summarized in detail. At the same time, the influence of the Internet Finance on the Internet and the transformation of the traditional commercial banks are also given. The third chapter mainly analyzes the impact on commercial banks from the two major aspects of the Internet financial payment and credit, and examines the negative impact of Internet Finance on the development of traditional commercial banks through the construction of structural equation model. The fourth chapter puts forward the transfer of traditional commercial banks to these effects. On the one hand, on the one hand, it is through endogenous self transformation, on the other hand, through external mergers and acquisitions. Comparing the two kinds of transition costs, the author believes that the transformation of foreign mergers and acquisitions is more efficient, and further analyzes the object of the transformation of traditional commercial banks, and should choose existing or transfer to the Internet financial business. The fifth chapter is the summary of the whole article and the prospect of the research. For the traditional commercial banks, how to make the transformation, so as to make use of the Internet finance, grasp the increasing demand of the customer and become the real valuable bank, the bank around the customer is the most important.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.33

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