本文選題：互聯(lián)網(wǎng)金融 + 工商銀行��； 參考：《湘潭大學(xué)》2017年碩士論文

【摘要】：從2013年互聯(lián)網(wǎng)金融興起開始,互聯(lián)網(wǎng)金融一直處于飛速的發(fā)展的狀態(tài),不斷推動(dòng)著傳統(tǒng)金融的發(fā)展與更新,以互聯(lián)網(wǎng)技術(shù)為核心的各類企業(yè)機(jī)構(gòu)也開始飛速崛起,改變著我國(guó)現(xiàn)有的金融市場(chǎng)格局�；ヂ�(lián)網(wǎng)金融在快速發(fā)展的同時(shí),也給傳統(tǒng)的商業(yè)銀行帶來(lái)了不可忽視的沖擊與挑戰(zhàn),不管是從經(jīng)營(yíng)模式的角度,還是從盈利的角度來(lái)看,都給傳統(tǒng)銀行業(yè)務(wù)帶來(lái)了巨大的影響。因此,了解并分析互聯(lián)網(wǎng)金融的發(fā)展情況與發(fā)展趨勢(shì),找出互聯(lián)網(wǎng)金融發(fā)展理念的先進(jìn)之處,加以學(xué)習(xí)與借鑒,對(duì)于提高自身競(jìng)爭(zhēng)力,鞏固傳統(tǒng)商業(yè)銀行在金融行業(yè)的地位顯得十分必要。首先,本文在梳理國(guó)內(nèi)外文獻(xiàn)的基礎(chǔ)上,歸納了中國(guó)互聯(lián)網(wǎng)金融的發(fā)展特點(diǎn)與發(fā)展模式,然后通過(guò)運(yùn)用理論和實(shí)踐相互結(jié)合分析的方法,基于互聯(lián)網(wǎng)金融現(xiàn)有的六大主要發(fā)展模式,分析了互聯(lián)網(wǎng)金融的飛速發(fā)展,給我國(guó)傳統(tǒng)的商業(yè)銀行所帶來(lái)的影響與沖擊。接下來(lái),從工商銀行的互聯(lián)網(wǎng)金融產(chǎn)品的發(fā)展歷程出發(fā),對(duì)工商銀行現(xiàn)在己經(jīng)擁有的互聯(lián)網(wǎng)金融三大平臺(tái)““融e購(gòu)”、“融e聯(lián)”、“融e行”和現(xiàn)已部署的三大產(chǎn)品線支付產(chǎn)品線、投資產(chǎn)品線、融資產(chǎn)品線進(jìn)行研究,并結(jié)合問(wèn)卷調(diào)查所得數(shù)據(jù),對(duì)工商銀行發(fā)展互聯(lián)網(wǎng)金融所存在的問(wèn)題進(jìn)行了分析,最后就工商銀行如何在互聯(lián)網(wǎng)金融飛速發(fā)展的背景下,進(jìn)行自身產(chǎn)品的改進(jìn),如何在與之競(jìng)爭(zhēng)的同時(shí)保持與它的合作關(guān)系,相互作用,共同成長(zhǎng)的問(wèn)題進(jìn)行了深入的分析研究。工商銀行是我國(guó)商業(yè)銀行的典型代表之一,是我國(guó)國(guó)際化程度和多元化程度最高的銀行,在互聯(lián)網(wǎng)金融飛速發(fā)展的時(shí)代,如何牢抓這一機(jī)遇強(qiáng)化自己,在激勵(lì)的競(jìng)爭(zhēng)環(huán)境中脫穎而出,不僅對(duì)于工商銀行本身,對(duì)于鞏固我國(guó)在全球的地位也具有至關(guān)重要的作用。
[Abstract]:Since the rise of Internet finance in 2013, Internet finance has been in a state of rapid development, constantly promoting the development and renewal of traditional finance, and various kinds of enterprise organizations with Internet technology as the core have also started to rise rapidly.Changes our country's existing financial market pattern.With the rapid development of Internet finance, it also brings the traditional commercial banks a great impact and challenge. Whether from the perspective of business model or from the perspective of profit, it has brought great influence to the traditional banking business.Therefore, to understand and analyze the development and trend of Internet finance, to find out the advanced aspects of the concept of Internet financial development, to learn and learn from it, to improve their own competitiveness,It is necessary to consolidate the position of traditional commercial banks in the financial industry.Firstly, on the basis of combing the literature at home and abroad, this paper sums up the development characteristics and development model of China's Internet finance, and then through the use of theory and practice to analyze the method of mutual integration.Based on the six main development models of Internet finance, this paper analyzes the impact and impact of the rapid development of Internet finance on the traditional commercial banks in China.Next, proceeding from the history of the development of ICBC's Internet financial products, the ICBC now has three major platforms for Internet finance, "Ronge purchase", "Ronge-Lian",This paper analyzes the problems existing in ICBC's development of Internet finance by studying the payment product line, investment product line and financing product line of the three product lines that have been deployed, and combining the data obtained from the questionnaire survey.Finally, the paper makes a deep analysis and research on how ICBC can improve its own products under the background of the rapid development of Internet finance, and how to maintain the cooperative relationship, interaction and common growth with ICBC while competing with it.ICBC is one of the typical representatives of commercial banks in our country. It is the most internationalized and diversified bank in our country. In the era of rapid development of Internet finance, how to grasp this opportunity to strengthen itself,It is very important for ICBC not only to stand out in the competitive environment of incentive, but also to consolidate our country's position in the world.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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本文編號(hào)：1770681