本文選題：互聯(lián)網(wǎng)金融 + 華夏銀行　； 參考：《江西財經(jīng)大學》2017年碩士論文

【摘要】：近年來,互聯(lián)網(wǎng)技術的不斷更新與完善,對人類社會的發(fā)展起到了重要作用。尤其是社交網(wǎng)絡、移動通信、電子商務的發(fā)展,不斷改變著人們的生產(chǎn)生活方式,同時也對傳統(tǒng)金融行業(yè)的發(fā)展產(chǎn)生了巨大影響�；ヂ�(lián)網(wǎng)金融的出現(xiàn),對傳統(tǒng)金融業(yè)務,如存款、理財、貸款等,產(chǎn)生了重大影響,在一定程度上蠶食著傳統(tǒng)金融行業(yè)的市場,威脅著各大商業(yè)銀行利益增長點。這也要求傳統(tǒng)金融行業(yè)在未來發(fā)展過程中必須高度重視互聯(lián)化,利用互聯(lián)網(wǎng)技術來提高自身的盈利能力。但是,當前我國互聯(lián)網(wǎng)金融剛剛起步,尚處于發(fā)展的初始階段,大多數(shù)商業(yè)銀行對于如何應對互聯(lián)網(wǎng)金融的沖擊并未采取有效手段。為此,在這一背景下加強商業(yè)銀行應對互聯(lián)網(wǎng)金融沖擊的研究迫在眉睫,同時也是推動商業(yè)銀行順利實現(xiàn)業(yè)務轉(zhuǎn)型,實現(xiàn)可持續(xù)發(fā)展的客觀要求。在本研究中,首先就國內(nèi)外學者關于互聯(lián)網(wǎng)金融相關研究成果進行梳理與歸納,對本文涉及的相關概念進行界定,以及相關理論進行概述,進而為本研究能夠順利進行做好前期準備;其次,為了增強本研究的實用性,選取華夏銀行作為個案進行分析,詳細闡述互聯(lián)網(wǎng)金融對華夏銀行業(yè)務發(fā)展產(chǎn)生的影響以及華夏銀行在互聯(lián)網(wǎng)金融背景下所遇到的挑戰(zhàn);再次,結合自身所學專業(yè)知識以及工作實踐經(jīng)驗,從積極轉(zhuǎn)變經(jīng)營理念、制定符合時代發(fā)展的經(jīng)營戰(zhàn)略、拓寬業(yè)務渠道以及加強對互聯(lián)網(wǎng)金融風險控制方面,針對性地提出了華夏銀行在互聯(lián)網(wǎng)金融背景下應采取的策略;最后,筆者總結歸納了本研究的創(chuàng)新之處,并指出了在研究過程中存在的不足,同時對未來商業(yè)銀行如何在互聯(lián)網(wǎng)金融的浪潮里前進提出了自己的看法。
[Abstract]:In recent years, the continuous updating and improvement of Internet technology has played an important role in the development of human society. In particular, the development of social network, mobile communication and electronic commerce is changing people's way of production and life, and also has a great impact on the development of traditional financial industry. The appearance of Internet finance has a great influence on the traditional financial business, such as deposit, financial management, loan and so on. To a certain extent, it eats away at the market of traditional financial industry and threatens the profit growth point of commercial banks. This also requires the traditional financial industry in the future development process must attach great importance to interconnection, using Internet technology to improve their profitability. However, at present, the Internet finance in our country has just started and is still in the initial stage of development. Most commercial banks have not taken effective measures to deal with the impact of Internet finance. Therefore, under this background, it is urgent to strengthen the research of commercial banks to deal with the Internet financial shock, and it is also the objective requirement to promote the commercial banks to realize the business transformation smoothly and realize the sustainable development. In this study, first of all, the domestic and foreign scholars on Internet finance related research results are summarized, the related concepts involved in this paper are defined, and the relevant theories are summarized. In order to enhance the practicability of this study, Huaxia Bank is selected as a case study. The impact of Internet finance on the business development of Huaxia Bank and the challenges encountered by Huaxia Bank in the context of Internet finance are described in detail. The paper puts forward the strategy that Huaxia Bank should take under the background of Internet finance in order to formulate the management strategy in line with the development of the times, widen the business channels and strengthen the control of Internet financial risks. Finally, The author summarizes the innovation of this study, points out the shortcomings in the research process, and puts forward his own views on how to advance the future commercial banks in the wave of Internet finance.
【學位授予單位】：江西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F724.6

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