本文關(guān)鍵詞：互聯(lián)網(wǎng)金融的發(fā)展對(duì)我國商業(yè)銀行的影響研究　出處：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：近些年來,互聯(lián)網(wǎng)金融伴隨著新互聯(lián)網(wǎng)科技浪潮,在我國迅速發(fā)展起來。電子支付、P2P小額網(wǎng)貸、眾籌、互聯(lián)網(wǎng)基金等創(chuàng)新性金融產(chǎn)品不斷涌現(xiàn)。并且在較短的時(shí)間內(nèi),聚集了大量的用戶,形成巨大的資金規(guī)模�；ヂ�(lián)網(wǎng)金融的出現(xiàn)為整個(gè)金融領(lǐng)域帶來一股新風(fēng)。在政府的支持和帶動(dòng)下,互聯(lián)網(wǎng)金融正朝著健康有序的方向蓬勃發(fā)展。首先互聯(lián)網(wǎng)金融的發(fā)展引起了金融行業(yè)格局的劇烈變化。幾年前,互聯(lián)網(wǎng)企業(yè)的互聯(lián)網(wǎng)金融產(chǎn)品迅速發(fā)展,應(yīng)發(fā)了資金轉(zhuǎn)移效應(yīng),進(jìn)而引起了商業(yè)銀行對(duì)自身業(yè)務(wù)發(fā)展的擔(dān)憂。然后互聯(lián)網(wǎng)金融的強(qiáng)大競(jìng)爭力對(duì)商業(yè)銀行造成了不同程度的影響。經(jīng)過一段時(shí)間的觀望和學(xué)習(xí),部分商業(yè)銀行已經(jīng)開始學(xué)習(xí)互聯(lián)網(wǎng)金融的經(jīng)營理念和研發(fā)模式,并在逐漸探索和磨合中發(fā)展出具有商業(yè)銀行特色的互聯(lián)網(wǎng)金融產(chǎn)品�，F(xiàn)在,互聯(lián)網(wǎng)企業(yè)的互聯(lián)網(wǎng)金融產(chǎn)品和商業(yè)銀行的互聯(lián)網(wǎng)金融產(chǎn)品都在金融市場(chǎng)中競(jìng)爭發(fā)展。金融市場(chǎng)的競(jìng)爭越來越激烈。然后在不同的細(xì)分金融領(lǐng)域,互聯(lián)網(wǎng)金融對(duì)商業(yè)銀行的影響是不同的。對(duì)于不同的商業(yè)銀行,面對(duì)互聯(lián)網(wǎng)金融的沖擊,所采取的策略和實(shí)際做法也是不同的。這帶來了不同的效果。而對(duì)于未來,互聯(lián)網(wǎng)金融必將為商業(yè)銀行所用,商業(yè)銀行業(yè)也會(huì)推動(dòng)著互聯(lián)網(wǎng)金融進(jìn)一步的發(fā)展�；ヂ�(lián)網(wǎng)金融的發(fā)展,給商業(yè)銀行帶來了巨大的沖擊和挑戰(zhàn)。不僅是表內(nèi)表外業(yè)務(wù)業(yè)績上的變動(dòng)。還有對(duì)服務(wù)意識(shí)、人才建設(shè)、產(chǎn)品設(shè)計(jì)、科技運(yùn)用等諸多方面的顛覆。通過學(xué)習(xí)和發(fā)展互聯(lián)網(wǎng)金融,促進(jìn)了商業(yè)銀行服務(wù)水平的提升,增加了商業(yè)銀行金融服務(wù)的廣泛性和普惠性,強(qiáng)化了商業(yè)銀行對(duì)于實(shí)體經(jīng)濟(jì)的金融服務(wù)職能。提升了我國商業(yè)銀行的整體競(jìng)爭力。
[Abstract]:In recent years, along with the new Internet Financial wave of Internet technology, develops rapidly in our country. The micro electronic payment, P2P net loan, to raise the public Internet, funds and other innovative financial products continue to emerge. And in a relatively short period of time, gathered a large number of users, the formation of a huge size of funds. Internet Financial bring a fresh air for the whole financial field. With the support of the government and driven by the Internet banking is developing into a healthy and orderly development of the Internet is booming. First financial caused dramatic changes in financial industry. A few years ago, the Internet business Internet Financial products should be made a rapid development, funds transfer effect. Which is the cause of commercial bank worries about their business development. Then the strong competitiveness of the Internet financial effects on commercial banks. After a period of wait-and-see and Study, some commercial banks have begun to learn internet financial management concept and development model, the development of commercial banks has the characteristic of the Internet financial products and gradually explore and run in. Now, the Internet financial products, Internet companies Internet financial products and commercial banks are the development of competition in the financial market. The financial market and competition more fierce. Then in different segments of the financial sector, the Internet financial impact on commercial banks is different. For different commercial banks, in the face of the financial impact of the Internet, strategies and practices taken is different. This brings different effects. As for the future, the Internet financial will be used for business banks, commercial banks will also promote the further development of the Internet finance. The development of Internet banking, and has brought great impact to the commercial banks Is not only a challenge. In the table sheet business performance changes. The product design and the service consciousness, personnel construction, and many other aspects of the use of the subversion of science and technology. Through the study and development of Internet banking, to promote the service level of the commercial banks, increasing the financial service of commercial banks, broad and inclusive, strengthened for the commercial bank financial service of the real economy. To enhance the overall competitiveness of China's commercial banks.

【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.33
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本文編號(hào)：1376178