本文關鍵詞：互聯(lián)網(wǎng)金融的發(fā)展對我國商業(yè)銀行的影響研究　出處：《對外經(jīng)濟貿易大學》2017年碩士論文　論文類型：學位論文

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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)。并且在較短的時間內,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)為整個金融領域帶來一股新風。在政府的支持和帶動下,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,應發(fā)了資金轉移效應,進而引起了商業(yè)銀行對自身業(yè)務發(fā)展的擔憂。然后互聯(lián)網(wǎng)金融的強大競爭力對商業(yè)銀行造成了不同程度的影響。經(jīng)過一段時間的觀望和學習,部分商業(yè)銀行已經(jīng)開始學習互聯(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)品都在金融市場中競爭發(fā)展。金融市場的競爭越來越激烈。然后在不同的細分金融領域,互聯(lián)網(wǎng)金融對商業(yè)銀行的影響是不同的。對于不同的商業(yè)銀行,面對互聯(lián)網(wǎng)金融的沖擊,所采取的策略和實際做法也是不同的。這帶來了不同的效果。而對于未來,互聯(lián)網(wǎng)金融必將為商業(yè)銀行所用,商業(yè)銀行業(yè)也會推動著互聯(lián)網(wǎng)金融進一步的發(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)。不僅是表內表外業(yè)務業(yè)績上的變動。還有對服務意識、人才建設、產(chǎn)品設計、科技運用等諸多方面的顛覆。通過學習和發(fā)展互聯(lián)網(wǎng)金融,促進了商業(yè)銀行服務水平的提升,增加了商業(yè)銀行金融服務的廣泛性和普惠性,強化了商業(yè)銀行對于實體經(jīng)濟的金融服務職能。提升了我國商業(yè)銀行的整體競爭力。
[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.

【學位授予單位】：對外經(jīng)濟貿易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.33
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本文編號：1376178