本文選題：美國　切入點：網(wǎng)絡(luò)銀行　出處：《吉林大學(xué)》2017年碩士論文

【摘要】：20世紀90年代以來,美國金融結(jié)構(gòu)的變化尤其是金融脫媒和利率市場化進程使得傳統(tǒng)銀行的經(jīng)營模式亟待調(diào)整,微軟、Intuit公司進軍個人理財界更使傳統(tǒng)銀行步履維艱。在同一時期美國信息產(chǎn)業(yè)的高速發(fā)展以及互聯(lián)網(wǎng)迅速普及的背景下,網(wǎng)絡(luò)銀行這種完全基于互聯(lián)網(wǎng)的銀行模式應(yīng)運而生。網(wǎng)絡(luò)銀行的出現(xiàn)雖然對美國的金融市場產(chǎn)生了一些沖擊,但并沒有實現(xiàn)對傳統(tǒng)金融業(yè)的顛覆。傳統(tǒng)商業(yè)銀行對于金融創(chuàng)新積極開放的態(tài)度使其主動接受新技術(shù)帶來的革新,美國傳統(tǒng)商業(yè)銀行開始大規(guī)模網(wǎng)絡(luò)化,在競爭愈演愈烈的美國金融市場上再次占據(jù)優(yōu)勢。網(wǎng)絡(luò)銀行具有很多天然的優(yōu)勢如成本低、交易方便等,但其并未發(fā)展成為美國銀行業(yè)的主流,最直接的原因就是因為其盈利性不足,符合其要求的客戶基數(shù)太小,缺乏雄厚的資金使其難以通過價格競爭迅速獲得優(yōu)勢地位。此外,網(wǎng)絡(luò)銀行開展業(yè)務(wù)的靈活性太差,因此無法滿足多樣化的金融市場的需要。隨著信息技術(shù)的發(fā)展,盡管網(wǎng)絡(luò)銀行的上述缺陷在一定程度上能夠被技術(shù)進步彌補,但近年來金融科技在美國的發(fā)展如火如荼,各種創(chuàng)新型互聯(lián)網(wǎng)金融產(chǎn)品層出不窮,網(wǎng)絡(luò)銀行想在其中脫穎而出十分困難。而且由于網(wǎng)絡(luò)銀行并未參與到新技術(shù)如區(qū)塊鏈的研發(fā)中,因此網(wǎng)絡(luò)銀行在缺乏產(chǎn)品和技術(shù)創(chuàng)新的基礎(chǔ)上很難再一次快速發(fā)展。中國互聯(lián)網(wǎng)經(jīng)濟的發(fā)展也催生出了完全基于互聯(lián)網(wǎng)的網(wǎng)絡(luò)銀行,但其仍處于最初階段,而且我國金融環(huán)境更加復(fù)雜。應(yīng)當在借鑒美國網(wǎng)絡(luò)銀行發(fā)展經(jīng)驗的基礎(chǔ)上,發(fā)揮中國的特有優(yōu)勢,加快網(wǎng)絡(luò)銀行的發(fā)展。應(yīng)當在加快利率市場化進程和放寬銀行市場準入標準的基礎(chǔ)上,進一步完善金融監(jiān)管制度并注重金融消費者權(quán)益的保護。
[Abstract]:Since the 1990s, the changes in the financial structure of the United States, especially the financial disintermediation and interest rate marketization process, have made the operation mode of the traditional banks urgently need to be adjusted. Microsoft Intuit's foray into personal finance has made it harder for traditional banks to step forward. Against the backdrop of the rapid development of the information industry in the United States and the rapid spread of the Internet during the same period, This completely Internet-based banking model emerged as the times require. Although the emergence of Internet banking has had some impact on the financial market in the United States, But it did not subvert the traditional financial industry. The traditional commercial banks' positive and open attitude towards financial innovation made them take the initiative to accept the innovations brought about by new technologies, and the traditional commercial banks of the United States began to network on a large scale. Internet banking has many natural advantages, such as low cost and convenient trading, but it has not developed into the mainstream of American banking. The most immediate reason is that its profitability is inadequate, its customer base is too small to meet its requirements, and the lack of abundant funds makes it difficult for it to gain an advantage quickly through price competition. In addition, Internet banks have too little flexibility to do business. With the development of information technology, although the above shortcomings of Internet banking can be remedied to some extent by technological progress, the development of financial technology in the United States has been in full swing in recent years. The emergence of a variety of innovative Internet financial products, network banking in which it is very difficult to stand out. And because network banking is not involved in new technologies such as block chain research and development, Therefore, it is very difficult for Internet banks to develop rapidly again on the basis of the lack of product and technological innovation. The development of China's Internet economy has also given birth to Internet banks based entirely on the Internet, but it is still in its initial stage. Moreover, the financial environment in China is more complicated. On the basis of drawing lessons from the development experience of US Internet banks, we should give full play to China's unique advantages. On the basis of speeding up the process of interest rate marketization and relaxing the market access standards of banks, we should further improve the financial supervision system and pay attention to the protection of the rights and interests of financial consumers.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F713.36;F831.2

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