本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 HN郵儲分行 傳統(tǒng)業(yè)務(wù)　出處：《安徽大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,伴隨著信息技術(shù)的快速發(fā)展,"互聯(lián)網(wǎng)+金融"在我國方興未艾,這一新型模式的產(chǎn)生,為我國金融業(yè)帶來了諸多發(fā)展機遇,同時也給金融業(yè)中的商業(yè)銀行傳統(tǒng)業(yè)務(wù)帶來了巨大沖擊和挑戰(zhàn)。在互聯(lián)網(wǎng)信息技術(shù)和傳統(tǒng)金融相融合的快速發(fā)展時代,互聯(lián)網(wǎng)金融服務(wù)商為客戶提供在線支付結(jié)算,P2P網(wǎng)貸、眾籌、大數(shù)據(jù)金融、融資需求等新型金融服務(wù),商業(yè)銀行必須全方面思考自身的發(fā)展模式,大膽積極的改革創(chuàng)新,采取有效的應(yīng)對發(fā)展策略來迎接挑戰(zhàn),以順應(yīng)時代節(jié)奏的變化。本文正是在此背景下就互聯(lián)網(wǎng)金融對HN郵儲分行傳統(tǒng)業(yè)務(wù)的影響及對策進行研究,以期促進HN郵儲分行經(jīng)營服務(wù)模式的改革,為其進一步開展互聯(lián)網(wǎng)金融業(yè)務(wù)提供參考依據(jù)。本文共分為六章:第一章為緒論,闡述了研究的背景和意義,本文的研究方法和思路,并將研究的特色與創(chuàng)新之處進行了概述。第二章為互聯(lián)網(wǎng)金融發(fā)展和郵儲銀行發(fā)展概述,主要介紹了互聯(lián)網(wǎng)金融概念、功能及特點、國內(nèi)外互聯(lián)網(wǎng)金融發(fā)展的狀況,郵儲銀行的發(fā)展現(xiàn)狀和市場定位,業(yè)務(wù)類型和盈利模式。第三章為HN郵儲分行概況及傳統(tǒng)業(yè)務(wù)現(xiàn)狀,主要介紹了 HN郵儲分行的概況、網(wǎng)點特點以及目前傳統(tǒng)業(yè)務(wù)現(xiàn)狀。第四章為互聯(lián)網(wǎng)金融對HN郵儲分行傳統(tǒng)業(yè)務(wù)的影響分析,詳細分析了互聯(lián)網(wǎng)金融對HN分行資產(chǎn)、負債、中間業(yè)務(wù)的影響。第五章提出了 HN郵儲分行傳統(tǒng)業(yè)務(wù)應(yīng)對互聯(lián)網(wǎng)金融應(yīng)采取的對策。第六章是結(jié)論與展望。通過本文的研究得出了在互聯(lián)網(wǎng)金融發(fā)展的大背景下,HN郵儲分行要積極轉(zhuǎn)變經(jīng)營觀念,加快推進網(wǎng)絡(luò)技術(shù)信息化建設(shè),以客戶為中心實施服務(wù)創(chuàng)新,注重虛擬渠道建設(shè)、加快金融業(yè)務(wù)創(chuàng)新的結(jié)論。本文的研究成果將為郵政儲蓄銀行在互聯(lián)網(wǎng)金融沖擊和挑戰(zhàn)下,趨利避害,全面提升自身業(yè)務(wù)能力采取的對策具有現(xiàn)實意義。
[Abstract]:In recent years, with the rapid development of information technology, "Internet finance" is in the ascendant in China, the emergence of this new model, for our financial industry has brought a lot of opportunities for development. At the same time, it also brings great impact and challenge to the traditional business of commercial banks in the financial industry. In the era of rapid development of the integration of Internet information technology and traditional finance. Internet financial service providers provide customers with online payment and settlement P2P network loans, crowdfunding, big data finance, financing needs and other new financial services, commercial banks must consider their own development model in all aspects. Bold and active reform and innovation, adopt effective development strategies to meet the challenges. In order to adapt to the changes of the times, this paper studies the impact and countermeasures of Internet finance on the traditional business of HN Postal savings Branch in order to promote the reform of HN Postal savings Branch management service mode. This paper is divided into six chapters: the first chapter is the introduction, the background and significance of the research, the research methods and ideas of this paper. The second chapter is an overview of the development of Internet finance and postal savings bank, mainly introduces the concept, functions and characteristics of Internet finance. Domestic and foreign Internet financial development status, postal savings bank development and market positioning, business types and profit model. Chapter three is HN Postal savings Branch overview and traditional business status. This paper mainly introduces the general situation of HN Postal savings Branch, the characteristics of HN Postal savings Branch and the current status of traditional business. Chapter 4th is an analysis of the impact of Internet finance on the traditional business of HN Postal savings Branch. This paper analyzes the assets and liabilities of Internet finance to HN branch in detail. The impact of intermediary business. Chapter 5th provides. HN Postal savings Branch traditional business response to Internet finance countermeasures. Chapter 6th is the conclusion and prospect. Through the research of this paper, we get the background of the development of Internet finance. HN Postal savings Branch should actively change the concept of operation, accelerate the construction of network technology information, take the customer as the center to implement service innovation, and pay attention to the construction of virtual channels. The research results of this paper will be of practical significance for postal savings bank to seek advantages and avoid disadvantages under the impact and challenge of Internet finance, and to improve its own business ability in an all-round way.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F618.3;F832.33;F724.6

【參考文獻】

相關(guān)期刊論文 前10條

1 陳龍;;新常態(tài)與互聯(lián)網(wǎng)金融[J];中國金融;2015年17期

2 唐霽;;互聯(lián)網(wǎng)金融對傳統(tǒng)金融的影響[J];經(jīng)營管理者;2015年01期

3 曹鳳岐;;互聯(lián)網(wǎng)金融對傳統(tǒng)金融的挑戰(zhàn)[J];金融論壇;2015年01期

4 王芳;;分析互聯(lián)網(wǎng)金融現(xiàn)狀與發(fā)展趨勢[J];時代金融;2014年35期

5 趙旭升;;互聯(lián)網(wǎng)金融商業(yè)模式演進及商業(yè)銀行的應(yīng)對策略[J];金融論壇;2014年10期

6 劉愛君;;中國郵政儲蓄銀行市場定位分析[J];科技創(chuàng)新與應(yīng)用;2014年25期

7 林杰;;互聯(lián)網(wǎng)金融背景下商業(yè)銀行的應(yīng)對策略[J];金融經(jīng)濟;2014年16期

8 陸岷峰;劉鳳;;互聯(lián)網(wǎng)金融的沖擊與商業(yè)銀行的應(yīng)變策略[J];青海金融;2014年03期

9 吳曉求;;中國金融的深度變革與互聯(lián)網(wǎng)金融[J];財貿(mào)經(jīng)濟;2014年01期

10 李雪靜;;眾籌融資模式的發(fā)展探析[J];上海金融學院學報;2013年06期

，

本文編號：1469602