本文選題：商業(yè)銀行 + 互聯(lián)網(wǎng)金融��； 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：在經(jīng)濟(jì)新常態(tài)下,“互聯(lián)網(wǎng)+”、“大數(shù)據(jù)”、“云計(jì)算”等新技術(shù)正帶來傳統(tǒng)金融行業(yè)的顛覆與競爭升級(jí)�！伴_放、平等、協(xié)作、分享”作為互聯(lián)網(wǎng)的主要特點(diǎn),給金融業(yè)的發(fā)展帶來了新的途徑,互聯(lián)網(wǎng)金融的快速發(fā)展給傳統(tǒng)金融機(jī)構(gòu)帶來了新的機(jī)遇和挑戰(zhàn),更帶來了新的競爭�；ヂ�(lián)網(wǎng)金融對(duì)金融機(jī)構(gòu)尤其是對(duì)商業(yè)銀業(yè)的沖擊已經(jīng)逐漸顯現(xiàn)。隨著互聯(lián)網(wǎng)金融發(fā)展不斷壯大,與傳統(tǒng)銀行業(yè)之間的競爭更加激烈,甚至逐漸改變了商業(yè)銀行的經(jīng)營管理模式和運(yùn)行格局。在互聯(lián)網(wǎng)快速發(fā)展的當(dāng)今,不同客戶的需求具有多樣性,同時(shí),也在不斷的發(fā)生變化。統(tǒng)觀當(dāng)前互聯(lián)網(wǎng)金融的特點(diǎn)和發(fā)展態(tài)勢,作為傳統(tǒng)商業(yè)銀行,必須能夠準(zhǔn)確地把握機(jī)遇,而且要在經(jīng)營理念、管理方式、產(chǎn)品設(shè)計(jì)、風(fēng)險(xiǎn)管理等方面有所突破和創(chuàng)新,將互聯(lián)網(wǎng)技術(shù)和金融業(yè)務(wù)進(jìn)行有機(jī)結(jié)合,給客戶創(chuàng)造出更好、更豐富的產(chǎn)品和服務(wù),在自身轉(zhuǎn)型的同時(shí),實(shí)現(xiàn)更高的目標(biāo)。互聯(lián)網(wǎng)有助于利率市場化和普惠金融的發(fā)展,這從某種程度上極大地改變了金融格局。商業(yè)銀行在金融業(yè)占有舉足輕重的地位,能夠把握好機(jī)遇,不斷擴(kuò)大與互聯(lián)網(wǎng)金融企業(yè)的合作力度,同時(shí),主動(dòng)配合金融監(jiān)管機(jī)構(gòu)加強(qiáng)監(jiān)管,促進(jìn)互聯(lián)網(wǎng)金融的健康、規(guī)范發(fā)展,使合作進(jìn)一步得到規(guī)范。所以,在當(dāng)前形勢下,進(jìn)一步研究互聯(lián)網(wǎng)金融對(duì)商業(yè)銀行發(fā)展的影響及其發(fā)展方向,梳理商業(yè)銀行的競爭能力和機(jī)遇,對(duì)促進(jìn)商業(yè)銀行的轉(zhuǎn)型升級(jí)具有重要價(jià)值。本文以商業(yè)銀行應(yīng)對(duì)互聯(lián)網(wǎng)金融競爭的對(duì)策為選題,首先系統(tǒng)分析互聯(lián)網(wǎng)金融的發(fā)展?fàn)顩r、特點(diǎn)及類型,在此基礎(chǔ)上,闡述并全面分析了商業(yè)銀行在新時(shí)期面臨的影響與機(jī)遇,研究在互聯(lián)網(wǎng)信息時(shí)代,就商業(yè)銀行如何應(yīng)對(duì)互聯(lián)網(wǎng)金融的競爭,給出了一些具體發(fā)展對(duì)策。
[Abstract]:In the new normal economy, new technologies such as "Internet", "big data" and "cloud computing" are bringing disruption and competition to the traditional financial industry. As the main characteristic of the Internet, "openness, equality, cooperation and sharing" has brought new ways to the development of financial industry. The rapid development of Internet finance has brought new opportunities and challenges to traditional financial institutions as well as new competition. The impact of Internet finance on financial institutions, especially the commercial banking industry, has gradually appeared. With the development of Internet finance, the competition with the traditional banking industry is becoming more and more fierce, and even gradually changes the management mode and operation pattern of commercial banks. In the rapid development of the Internet today, the needs of different customers are diverse, at the same time, they are constantly changing. As a traditional commercial bank, it is necessary to grasp the opportunities accurately, and to make breakthroughs and innovations in the aspects of business philosophy, management mode, product design, risk management, etc. The combination of Internet technology and financial services can create better and richer products and services for customers and achieve higher goals while transforming themselves. The Internet contributes to the marketization of interest rates and the development of inclusive finance, which to some extent has greatly changed the financial structure. Commercial banks play an important role in the financial industry, can seize the opportunity, constantly expand the cooperation with Internet financial enterprises, at the same time, actively cooperate with financial regulatory agencies to strengthen supervision, promote the health of Internet finance, Normative development, so that cooperation is further standardized. Therefore, under the current situation, it is of great value to further study the impact of Internet finance on the development of commercial banks and their development direction, and to sort out the competitive power and opportunities of commercial banks, which is of great value to promote the transformation and upgrading of commercial banks. This paper chooses the countermeasures of commercial banks to deal with the competition of Internet finance. Firstly, it systematically analyzes the development, characteristics and types of Internet finance. On this basis, it expounds and comprehensively analyzes the influence and opportunity that commercial banks are facing in the new period. In the Internet information age, this paper puts forward some concrete development countermeasures on how commercial banks deal with the competition of Internet finance.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.33

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本文編號(hào)：1915996