本文關(guān)鍵詞： 農(nóng)商銀行 互聯(lián)網(wǎng)金融 發(fā)展對(duì)策　出處：《廣東財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近年來(lái),隨著互聯(lián)網(wǎng)技術(shù)、信息通信技術(shù)及數(shù)據(jù)挖據(jù)技術(shù)不斷取得新的突破,互聯(lián)網(wǎng)與金融業(yè)呈現(xiàn)快速融合發(fā)展態(tài)勢(shì)。互聯(lián)網(wǎng)金融的誕生、興盛,不僅有效推動(dòng)了金融產(chǎn)品及服務(wù)的創(chuàng)新,更有效提升金融資源的配置效率�？v觀2013年至2016年,我國(guó)互聯(lián)網(wǎng)金融業(yè)態(tài)發(fā)展先后經(jīng)歷了爆發(fā)式增長(zhǎng)、亂象風(fēng)險(xiǎn)頻發(fā),再逐漸回歸到理性發(fā)展�；ヂ�(lián)網(wǎng)金融以其普惠、便捷等特點(diǎn)“顛覆”了傳統(tǒng)金融業(yè)的發(fā)展模式,對(duì)傳統(tǒng)銀行業(yè)的存、貸、中間業(yè)務(wù)產(chǎn)生了極大的沖擊及分流作用。盡管如此,回歸互聯(lián)網(wǎng)金融的本質(zhì)依然是金融,互聯(lián)網(wǎng)僅作為其技術(shù)和渠道載體,并未改變其資金融通的基本功能�；ヂ�(lián)網(wǎng)金融給傳統(tǒng)銀行業(yè)帶來(lái)沖擊和挑戰(zhàn)的同時(shí),也帶來(lái)了新的發(fā)展機(jī)遇。銀行類(lèi)金融機(jī)構(gòu)仍然是我國(guó)金融系統(tǒng)中不可或缺的組成部分,因此,銀行如何適應(yīng)互聯(lián)網(wǎng)技術(shù)和金融業(yè)的加速融合發(fā)展趨勢(shì),充分把握及利用自身多年積累的經(jīng)營(yíng)優(yōu)勢(shì),制定銀行業(yè)互聯(lián)網(wǎng)金融發(fā)展策略,具有極其重要的研究及實(shí)踐意義。本文首先對(duì)國(guó)內(nèi)外關(guān)于互聯(lián)網(wǎng)金融方面的研究成果進(jìn)行總結(jié)和梳理,明晰互聯(lián)網(wǎng)金融的定義、特點(diǎn)及總結(jié)互聯(lián)網(wǎng)金融發(fā)展模式和趨勢(shì),進(jìn)而分析其對(duì)銀行產(chǎn)生的影響。再基于上述理論研究,以QY農(nóng)商銀行為研究對(duì)象,總結(jié)其互聯(lián)網(wǎng)金融發(fā)展歷程及現(xiàn)狀,深入剖析其在互聯(lián)網(wǎng)金融發(fā)展中存在的問(wèn)題及問(wèn)題根源。最后,結(jié)合PEST和SWOT分析模型,通過(guò)全面分析QY農(nóng)商銀行互聯(lián)網(wǎng)金融發(fā)展環(huán)境,制定QY農(nóng)商銀行互聯(lián)網(wǎng)金融發(fā)展對(duì)策,提出實(shí)施智慧金融策略、業(yè)務(wù)引領(lǐng)策略、雙線延伸策略、場(chǎng)景閉環(huán)策略四條發(fā)展對(duì)策,并據(jù)此提出實(shí)施發(fā)展對(duì)策的三大保障措施。本研究對(duì)銀行類(lèi)金融機(jī)構(gòu)如何開(kāi)展互聯(lián)網(wǎng)金融業(yè)務(wù)具有一定的理論研究?jī)r(jià)值,對(duì)QY農(nóng)商銀行而言亦具有實(shí)踐指導(dǎo)意義。同時(shí),這對(duì)同類(lèi)銀行機(jī)構(gòu)發(fā)展互聯(lián)網(wǎng)金融業(yè)務(wù)具有一定的借鑒意義。
[Abstract]:In recent years, with the Internet technology, information and communication technology and data mining technology has made new breakthroughs, the Internet and the financial industry show a rapid convergence development situation, the birth and prosperity of Internet finance. It not only effectively promotes the innovation of financial products and services, but also promotes the allocation efficiency of financial resources more effectively. From 2013 to 2016, the development of Internet financial industry in China has experienced explosive growth. Frequent risk of chaos, then gradually return to rational development. Internet finance with its advantages, convenience and other characteristics of "subversion" of the traditional financial industry development model, to the traditional banking deposits, loans. Intermediary business has had a great impact and diversion. However, the essence of returning to Internet finance is still finance, the Internet is only as its technology and channel carrier. It has not changed its basic function of financing. Internet finance has brought impact and challenge to the traditional banking industry at the same time. Banking financial institutions are still an indispensable part of China's financial system. Therefore, how banks adapt to the rapid integration of Internet technology and financial development trend. Fully grasp and make use of their own accumulated operating advantages over the years to formulate banking Internet financial development strategy. This paper summarizes and combs the research results of Internet finance at home and abroad, and clarifies the definition of Internet finance. This paper summarizes the characteristics and trends of the development of Internet finance, and then analyzes its impact on banks. Then based on the above theoretical research, QY agribusiness bank is taken as the research object. Summarize its Internet finance development history and current situation, deeply analyze its problems and root causes in the development of Internet finance. Finally, combined with PEST and SWOT analysis model. Through a comprehensive analysis of the QY agricultural and commercial bank Internet financial development environment, the formulation of QY agricultural bank Internet financial development strategy, put forward the implementation of intelligent financial strategy, business guidance strategy, two-line extension strategy. This study has certain theoretical value on how to carry out Internet financial business in banking financial institutions. It is also of practical significance to QY agribusiness bank, and it has certain reference significance to the development of Internet financial business of the same banking institution at the same time.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.35;F724.6

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