本文選題：商業(yè)銀行 + 互聯(lián)網(wǎng)金融�。� 參考：《南方金融》2017年09期

【摘要】：從信息經(jīng)濟(jì)學(xué)視角來(lái)看,商業(yè)銀行存貸款業(yè)務(wù)主要利用信息不對(duì)稱來(lái)獲取利潤(rùn)�；ヂ�(lián)網(wǎng)技術(shù)的廣泛運(yùn)用在提高商業(yè)銀行信息技術(shù)水平、降低信息成本的同時(shí),也降低了商業(yè)銀行的信息收益。具體來(lái)說(shuō),隨著信息技術(shù)水平的提高,商業(yè)銀行存貸款業(yè)務(wù)的單位信息成本先上升后下降,單位信息收益持續(xù)下降,單位利潤(rùn)先下降后上升、然后維持在相對(duì)較低的水平。長(zhǎng)期來(lái)看,目前我國(guó)商業(yè)銀行以大中型企業(yè)為主要服務(wù)對(duì)象、以存貸利差為主要利潤(rùn)來(lái)源的盈利模式是不可持續(xù)的。在互聯(lián)網(wǎng)技術(shù)快速發(fā)展的背景下,商業(yè)銀行需要充分運(yùn)用"互聯(lián)網(wǎng)+"所帶來(lái)的新的獲客渠道,擴(kuò)大客戶服務(wù)范圍,深挖中間業(yè)務(wù)潛力,加快盈利模式轉(zhuǎn)型。
[Abstract]:From the point of view of information economics, the deposit and loan business of commercial banks mainly uses asymmetric information to obtain profits. The wide use of Internet technology not only improves the level of information technology of commercial banks and reduces the cost of information, but also reduces the information benefits of commercial banks. Specifically, with the improvement of the level of information technology, the unit information cost of the deposit and loan business of commercial banks first rises and then decreases, the unit information income continues to decline, the unit profit decreases first and then rises, and then maintains at a relatively low level. In the long run, the profit model of Chinese commercial banks, which mainly serve large and medium-sized enterprises and take deposit and loan interest margin as the main source of profits, is unsustainable. Under the background of the rapid development of Internet technology, commercial banks need to make full use of the new channels brought by the Internet, expand the scope of customer service, dig the potential of intermediate business, and accelerate the transformation of profit model.
【作者單位】： 中共四川省委黨校;
【分類(lèi)號(hào)】：F832.2;F832.33

【相似文獻(xiàn)】

相關(guān)期刊論文 前2條

1 王海東;信息成本、技術(shù)進(jìn)步與銀行業(yè)產(chǎn)業(yè)結(jié)構(gòu)變動(dòng)[J];重慶社會(huì)科學(xué);2003年06期

2 高志紅;信息成本降低與我國(guó)金融結(jié)構(gòu)發(fā)展[J];現(xiàn)代管理科學(xué);2004年11期

相關(guān)碩士學(xué)位論文 前2條

1 陳凡;流動(dòng)性成本，，信息成本及信息不對(duì)稱[D];廈門(mén)大學(xué);2009年

2 李樂(lè);我國(guó)金融排斥的形成機(jī)理與破解對(duì)策研究[D];湖南大學(xué);2012年

本文編號(hào)：2018936