本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)銀行��； 參考：《吉林財經(jīng)大學(xué)》2017年碩士論文

【摘要】：比爾·蓋茨曾說過:“世界需要的是銀行服務(wù)而不是銀行本身�！边@句話深刻揭示了當(dāng)互聯(lián)網(wǎng)和金融碰撞后對未來經(jīng)濟(jì)框架的重要影響。隨著互聯(lián)網(wǎng)技術(shù)不斷地普及發(fā)展和創(chuàng)新,人們需求日漸數(shù)字化、網(wǎng)絡(luò)化、多元化�；ヂ�(lián)網(wǎng)在國民生活中成為不可或缺的一部分�；ヂ�(lián)網(wǎng)所帶給世界的創(chuàng)新體驗,并不僅僅表現(xiàn)在科學(xué)技術(shù)層面上的變化,更多帶給我們的是互聯(lián)網(wǎng)精神自身的魅力所在�；ヂ�(lián)網(wǎng)正逐步與國民經(jīng)濟(jì)的方方面面緊密相連并深度融合�；ヂ�(lián)網(wǎng)金融成為其中最活躍的發(fā)展業(yè)態(tài)。當(dāng)中正悄然影響和改變我們生活的第三方支付、眾籌融資、供應(yīng)鏈金融、網(wǎng)絡(luò)借貸(P2P)平臺等新型金融業(yè)務(wù)產(chǎn)品和服務(wù)模式層出不窮的出現(xiàn)并迅速占領(lǐng)創(chuàng)新金融領(lǐng)域發(fā)展的一席之地。在互聯(lián)網(wǎng)信息技術(shù)與傳統(tǒng)金融快速發(fā)展不斷融合的新時代,互聯(lián)網(wǎng)金融特別是以阿里金融、京東金融等為代表的領(lǐng)頭羊,已經(jīng)逐步在改變著傳統(tǒng)銀行自身的金融業(yè)態(tài)發(fā)展,從前商業(yè)銀看似固若金湯的傳統(tǒng)金融服務(wù)功能受到了巨大的沖擊和挑戰(zhàn)。作為傳統(tǒng)的銀行業(yè),在互聯(lián)網(wǎng)金融不斷蓬勃發(fā)展以及不斷沖擊和侵蝕著自己業(yè)務(wù)市場的背景下,如何從互聯(lián)網(wǎng)金融發(fā)展得到啟示,如何緊跟時代發(fā)展方向,如何快速搶占行業(yè)發(fā)展的制高點(diǎn),如何增強(qiáng)用戶體驗,增強(qiáng)核心競爭力,減少業(yè)務(wù)流失,如何依靠自己的傳統(tǒng)金融業(yè)務(wù)優(yōu)勢謀求業(yè)務(wù)轉(zhuǎn)型,積極拓展新的利潤增長點(diǎn),以上都是傳統(tǒng)銀行業(yè)應(yīng)該思考的問題。因此,商業(yè)銀行需要重新審視自身的優(yōu)勢與短板,順應(yīng)當(dāng)今時代發(fā)展的潮流,利用互聯(lián)網(wǎng)技術(shù)作為自我優(yōu)化和升級的重要工具和武器,轉(zhuǎn)換思路、調(diào)整戰(zhàn)略、更新理念,抓住當(dāng)前重大發(fā)展機(jī)遇,正確認(rèn)識并了解科學(xué)技術(shù)變革所給傳統(tǒng)銀行帶來的沖擊和挑戰(zhàn),轉(zhuǎn)變發(fā)展商業(yè)銀行傳統(tǒng)業(yè)務(wù),在改革創(chuàng)新與轉(zhuǎn)型發(fā)展方面突出重點(diǎn),力爭在互聯(lián)網(wǎng)金融與傳統(tǒng)銀行的融合中找到切入點(diǎn)。形成全方位覆蓋,相輔相成,服務(wù)多樣化、體系多層次的金融格局。本文出發(fā)點(diǎn)是從互聯(lián)網(wǎng)金融與傳統(tǒng)銀行二者的競爭力分析入手,對比分析兩者之間發(fā)展的優(yōu)勢與劣勢,進(jìn)而分析出互聯(lián)網(wǎng)金融給傳統(tǒng)銀行帶來的巨大影響原因,以及商業(yè)銀行自身發(fā)展互聯(lián)網(wǎng)金融面對的挑戰(zhàn)與問題,提出了有針對性的發(fā)展對策與建議。
[Abstract]:Bill Gates once said: "the world needs banking services, not banks themselves." This sentence reveals a profound impact on the future economic framework when the Internet and finance collide. With the development and innovation of Internet technology, people need to be more and more digital, networked and diversified. The Internet has become an integral part of national life. The innovation experience brought by the Internet is not only reflected in the change of science and technology, but also brings us the charm of the Internet spirit itself. Internet is gradually closely linked with all aspects of the national economy and deep integration. Internet finance has become one of the most active development forms. They are quietly influencing and changing our lives through third-party payments, crowdfunding, supply chain finance, New financial products and service models, such as P2P platform, emerge in endlessly and occupy a place in the field of innovative finance. In the new era of rapid development of Internet information technology and traditional finance, Internet finance, especially the leader of Ali finance and JingDong finance, has gradually changed the development of the traditional bank's own financial format. Once upon a time, the traditional financial services function of commercial silver, which seemed as solid as gold, was greatly impacted and challenged. As the traditional banking industry, how to get enlightenment from the development of Internet finance and how to keep up with the development direction of the times, under the background of the booming development of Internet finance and the constant impact and erosion of its own business market, How to quickly seize the commanding point of the development of the industry, how to enhance the user experience, enhance the core competitiveness, reduce the loss of business, how to rely on their own advantages of traditional financial business to seek business transformation, and actively expand the new profit growth point, These are the questions that the traditional banking industry should think about. Therefore, commercial banks need to re-examine their advantages and disadvantages, conform to the current trend of development of the times, use Internet technology as an important tool and weapon for self-optimization and upgrading, change ideas, adjust strategies, and renew ideas. Seize the current major development opportunities, correctly understand and understand the impact and challenges brought by the scientific and technological changes to the traditional banks, transform and develop the traditional business of commercial banks, and give prominence to the key points in terms of reform, innovation, transformation and development, Strive to find a breakthrough point in the convergence of Internet finance and traditional banks. Form all-round coverage, complement each other, service diversification, system multi-level financial pattern. This paper starts with the analysis of the competitiveness of Internet finance and traditional banks, analyzes the advantages and disadvantages of the development between the two, and then analyzes the reasons for the enormous influence of Internet finance on traditional banks. And the challenges and problems faced by commercial banks in their own development of Internet finance, and put forward targeted development countermeasures and suggestions.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832

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