本文選題：互聯(lián)網(wǎng)金融 + 恒豐銀行　； 參考：《云南財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：近年來(lái),互聯(lián)網(wǎng)金融發(fā)展迎來(lái)了黃金時(shí)期,互聯(lián)網(wǎng)金融能夠有效促進(jìn)資金融通、信息流通以及支付手續(xù)簡(jiǎn)化等,實(shí)現(xiàn)了互聯(lián)網(wǎng)技術(shù)與移動(dòng)通信技術(shù)的有效結(jié)合。互聯(lián)網(wǎng)金融發(fā)展為商業(yè)銀行帶來(lái)機(jī)會(huì)和挑戰(zhàn)。挑戰(zhàn)體現(xiàn)在銀行主營(yíng)業(yè)務(wù)被蠶食,銀行盈利能力逐漸降低,銀行支付中介地位受到影響,銀行信用風(fēng)險(xiǎn)增加,銀行業(yè)務(wù)對(duì)實(shí)體網(wǎng)點(diǎn)的依賴程度降低等方面,機(jī)遇主要包括促進(jìn)銀行的產(chǎn)業(yè)革新,加快業(yè)務(wù)結(jié)構(gòu)的調(diào)整,提升銀行的服務(wù)質(zhì)量,豐富銀行的產(chǎn)品類型,促進(jìn)銀行管理模式的創(chuàng)新等方面,互聯(lián)網(wǎng)企業(yè)和金融機(jī)構(gòu)逐漸形成了相互競(jìng)爭(zhēng)、優(yōu)勢(shì)互補(bǔ)、彼此融合、共同發(fā)展的趨勢(shì)。恒豐銀行作為我國(guó)12家全國(guó)性的股份制商業(yè)銀行之一,近年來(lái)發(fā)展較快,截至2016年末,恒豐銀行在全國(guó)設(shè)有一級(jí)分行14家,總行直管行2家,分支機(jī)構(gòu)多達(dá)306家,另外還發(fā)起設(shè)立了5家村鎮(zhèn)銀行。多年來(lái),恒豐銀行一直以煙臺(tái)為自己的立足之地,并將業(yè)務(wù)不斷輻射到全省范圍內(nèi),在此基礎(chǔ)上逐漸走向全國(guó),并以面向世界為發(fā)展戰(zhàn)略,秉承客戶與服務(wù)質(zhì)量至上的服務(wù)理念,不斷發(fā)展壯大,經(jīng)營(yíng)狀況日趨良好,積累了許多成功的管理經(jīng)驗(yàn)。恒豐銀行的網(wǎng)點(diǎn)多位于東部沿海地區(qū),區(qū)域差異較為明顯,在互聯(lián)網(wǎng)金融迅速崛起的今天,恒豐銀行想要繼續(xù)發(fā)展,對(duì)其網(wǎng)點(diǎn)布局必須做出相應(yīng)的調(diào)整和優(yōu)化。文章通過(guò)利用DEA模型的Malmquist指數(shù)測(cè)量恒豐銀行的網(wǎng)點(diǎn)布局效率,結(jié)果顯示各種效率均較高,總效率的偏低是規(guī)模效率太低造成的,各分行投入要素的規(guī)模不甚合理,要提高綜合技術(shù)效率,需要同時(shí)提高規(guī)模效率與純技術(shù)效率,單純的提高純技術(shù)效率是不夠的,2011-2015年恒豐銀行多數(shù)的分行在銀行網(wǎng)點(diǎn)布局方面處于規(guī)模報(bào)酬不變階段和規(guī)模報(bào)酬下降階段。通過(guò)Malmquist指數(shù)TFP及其分解變化情況,近年來(lái)各分行的技術(shù)效率不斷進(jìn)步,且距離最佳規(guī)模越來(lái)越近,技術(shù)進(jìn)步是恒豐銀行TFP波動(dòng)的主要原因,技術(shù)進(jìn)步可以降低平均成本,實(shí)現(xiàn)銀行的規(guī)模經(jīng)濟(jì),進(jìn)而提高銀行的產(chǎn)出水平。通過(guò)Tobit回歸結(jié)果顯示,恒豐銀行網(wǎng)點(diǎn)布局效率與凈利潤(rùn)成正相關(guān)性,與人均GDP呈負(fù)相關(guān)性,與人口密度和城市公路里程關(guān)系不顯著。在此基礎(chǔ)上,文章分析了恒豐銀行的物理網(wǎng)點(diǎn)布局戰(zhàn)略,并提出明確物理網(wǎng)點(diǎn)功能定位,優(yōu)化物理網(wǎng)點(diǎn)區(qū)域布局,提升物理網(wǎng)點(diǎn)服務(wù)能力,注重物理網(wǎng)點(diǎn)轉(zhuǎn)型升級(jí),加快物理網(wǎng)點(diǎn)產(chǎn)品創(chuàng)新等對(duì)策建議。
[Abstract]:In recent years, the development of Internet finance ushered in a golden period, Internet finance can effectively promote the financing, information flow and payment procedures to simplify, realizing the effective combination of Internet technology and mobile communication technology.The development of Internet finance brings opportunities and challenges to commercial banks.The challenges are reflected in the erosion of the main business of the bank, the gradual decline in the profitability of the bank, the impact on the status of the bank as a payment intermediary, the increase in the credit risk of the bank, and the decrease in the degree of dependence of the banking business on the physical network, etc.The opportunities mainly include promoting the industrial innovation of banks, speeding up the adjustment of business structure, improving the service quality of banks, enriching the types of products of banks, and promoting the innovation of bank management patterns.Internet enterprises and financial institutions have gradually formed a trend of mutual competition, complementary advantages, mutual integration and common development.As one of the 12 national joint-stock commercial banks in China, Hengfeng Bank has developed rapidly in recent years. Up to the end of 2016, Hengfeng Bank has 14 first-class branches in the country, 2 head offices and 306 branches.In addition, it has initiated the establishment of five village banks.Over the years, Hengfeng Bank has been taking Yantai as its foothold, and continuously radiating its business to the whole province. On this basis, it has gradually moved to the whole country and taken the world as its development strategy.Adhering to the service concept of customer and service quality supreme, the business situation is getting better day by day, and has accumulated many successful management experience.The outlets of Hengfeng Bank are mostly located in the eastern coastal areas, and the regional differences are obvious. With the rapid rise of Internet finance, Hengfeng Bank wants to continue to develop, it must make corresponding adjustment and optimization to the distribution of its network.By using the Malmquist index of DEA model to measure the distribution efficiency of Hengfeng Bank, the results show that all kinds of efficiency are high, the low overall efficiency is caused by the low scale efficiency, and the scale of input elements of each branch is not very reasonable.To improve the efficiency of integrated technology, it is necessary to increase both scale efficiency and pure technical efficiency.It is not enough to improve pure technical efficiency. Most branches of Hengfeng Bank from 2011 to 2015 are in the same stage of scale reward and declining stage of scale reward in the layout of bank network.Through the change of Malmquist index TFP and its decomposition, the technical efficiency of each branch has been improved in recent years, and it is getting closer and closer to the best scale. The technological progress is the main reason for the fluctuation of TFP of Hengfeng Bank, and the technological progress can reduce the average cost.Realize the scale economy of the bank, and then improve the output level of the bank.The results of Tobit regression show that the distribution efficiency of Hengfeng Bank has a positive correlation with net profit, a negative correlation with per capita GDP, and no significant relationship with population density and urban road mileage.On this basis, the paper analyzes the physical network layout strategy of Hengfeng Bank, and puts forward a clear location of physical network function, optimization of physical network regional layout, promotion of physical network service ability, and pay attention to physical network transformation and upgrading.To speed up the physical network product innovation and other countermeasures.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 婁飛鵬;;商業(yè)銀行物理網(wǎng)點(diǎn)的存續(xù)、布局與轉(zhuǎn)型[J];金融教學(xué)與研究;2015年06期

2 謝平;鄒傳偉;劉海二;;互聯(lián)網(wǎng)金融的基礎(chǔ)理論[J];金融研究;2015年08期

3 沈悅;郭品;;互聯(lián)網(wǎng)金融、技術(shù)溢出與商業(yè)銀行全要素生產(chǎn)率[J];金融研究;2015年03期

4 黃玉璽;祝宏輝;;兵團(tuán)農(nóng)業(yè)生產(chǎn)效率及影響因素研究[J];石河子大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2015年01期

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

6 孫杰;賀晨;;大數(shù)據(jù)時(shí)代的互聯(lián)網(wǎng)金融創(chuàng)新及傳統(tǒng)銀行轉(zhuǎn)型[J];財(cái)經(jīng)科學(xué);2015年01期

7 鄭聯(lián)盛;;中國(guó)互聯(lián)網(wǎng)金融:模式、影響、本質(zhì)與風(fēng)險(xiǎn)[J];國(guó)際經(jīng)濟(jì)評(píng)論;2014年05期

8 謝平;鄒傳偉;劉海二;;互聯(lián)網(wǎng)金融監(jiān)管的必要性與核心原則[J];國(guó)際金融研究;2014年08期

9 陳志武;;互聯(lián)網(wǎng)金融到底有多新[J];新金融;2014年04期

10 李雙杰;高巖;;銀行效率實(shí)證研究的投入產(chǎn)出指標(biāo)選擇[J];數(shù)量經(jīng)濟(jì)技術(shù)經(jīng)濟(jì)研究;2014年04期

相關(guān)碩士學(xué)位論文 前1條

1 黃玉璽;兵團(tuán)科技特派員農(nóng)業(yè)科技推廣服務(wù)效率及影響因素研究[D];石河子大學(xué);2014年

，

本文編號(hào)：1760854