【摘要】：互聯(lián)網(wǎng)金融是以互聯(lián)網(wǎng)公司為主導,將互聯(lián)網(wǎng)、云計算、大數(shù)據(jù)等信息技術在金融領域進行的整合、運用進而形成的新型金融業(yè)態(tài)。就互聯(lián)網(wǎng)金融的實質(zhì)而言,其根本的現(xiàn)實意義在于金融普惠。隨著互聯(lián)網(wǎng)金融不斷發(fā)展壯大,其在金融資源配置、資金供需對接方面作用空前,越來越深地觸及商業(yè)銀行核心業(yè)務,影響深遠,極富挑戰(zhàn)性。互聯(lián)網(wǎng)金融的發(fā)展,使得包括農(nóng)業(yè)銀行在內(nèi)的我國商業(yè)銀行的資金中介地位弱化了,經(jīng)營理念、服務模式和管理模式受到不同程度沖擊,核心主體業(yè)務受到較大影響,經(jīng)營風險也加大�；ヂ�(lián)網(wǎng)金融產(chǎn)生的“鯰魚效應”,倒逼農(nóng)業(yè)銀行不得不進行轉(zhuǎn)型、創(chuàng)新和變革。本文分析了農(nóng)業(yè)銀行相對互聯(lián)網(wǎng)金融的優(yōu)劣勢,得出農(nóng)業(yè)銀行擁有雄厚的資金實力、嚴格的監(jiān)管機制、優(yōu)秀的信用體系和強大的風控能力,其不足之處在于舊經(jīng)營模式根深蒂固,過度傳統(tǒng)業(yè)務,缺少互聯(lián)網(wǎng)思維,數(shù)據(jù)挖掘能力弱,對中低端客戶群服務明顯不足等。對照互聯(lián)網(wǎng)金融的各種挑戰(zhàn),依據(jù)農(nóng)業(yè)銀行的優(yōu)勢條件和劣勢項目,本文有針對性地提出了農(nóng)業(yè)銀行應對互聯(lián)網(wǎng)挑戰(zhàn)的策略。通過本文的分析研究,發(fā)現(xiàn)了促成互聯(lián)網(wǎng)金融快速發(fā)展的因素,摸清了互聯(lián)網(wǎng)金融對農(nóng)業(yè)銀行等商業(yè)銀行形成的挑戰(zhàn),掌握了農(nóng)業(yè)銀行對互聯(lián)網(wǎng)金融的優(yōu)劣勢,找到了農(nóng)業(yè)銀行的具體應對策略,對于提升農(nóng)業(yè)銀行經(jīng)營管理水平具有一定的現(xiàn)實意義,希望在互聯(lián)網(wǎng)時代背景下,為農(nóng)業(yè)銀行的未來發(fā)展及新競爭力形成提供一些思路與方法。
[Abstract]:Internet finance is a new financial form, which is dominated by Internet companies and integrates the Internet, cloud computing, big data and other information technologies in the financial field. As far as the essence of Internet finance is concerned, its fundamental practical significance lies in financial inclusion. With the continuous development of Internet finance, it plays an unprecedented role in the allocation of financial resources, capital supply and demand docking, more and more deeply touch the core business of commercial banks, far-reaching impact, extremely challenging. With the development of Internet finance, the financial intermediary status of commercial banks in China, including the Agricultural Bank of China, has been weakened. The business philosophy, service mode and management mode have been impacted to some extent, and the core business has been greatly affected. Business risks are also increasing. Internet finance produces "catfish effect", force agricultural bank to undertake transformation, innovation and change. This paper analyzes the advantages and disadvantages of Agricultural Bank relative to Internet finance, and draws the conclusion that Agricultural Bank has strong capital strength, strict supervision mechanism, excellent credit system and strong wind control ability. Its shortcomings lie in the deep-rooted old business model, excessive traditional business, lack of Internet thinking, weak ability of data mining, and obvious lack of service to low-end customers. According to the advantages and disadvantages of the Agricultural Bank of China, this paper puts forward the strategies to deal with the challenges of the Internet. Through the analysis and study of this paper, we find out the factors that contribute to the rapid development of Internet finance, find out the challenges that Internet finance brings to commercial banks such as Agricultural Bank, and grasp the advantages and disadvantages of Agricultural Bank to Internet finance. Find out the concrete strategy of agricultural bank, have certain realistic meaning to improve the management level of agricultural bank, hope under the background of Internet times, For the future development of Agricultural Bank and the formation of new competitiveness to provide some ideas and methods.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.33;F724.6

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