【摘要】：隨著計(jì)算機(jī)以及互聯(lián)網(wǎng)技術(shù)的迅速發(fā)展及廣泛使用,特別是互聯(lián)網(wǎng)金融的快速發(fā)展,使得我國(guó)傳統(tǒng)的商業(yè)銀行面臨著巨大的挑戰(zhàn)。近年來(lái),盡管中國(guó)工商銀行業(yè)務(wù)發(fā)展迅速,占有了一定的市場(chǎng),在商業(yè)銀行中取得了一定的成功。但是在互聯(lián)網(wǎng)金融大潮的沖擊下,由于其規(guī)模龐大、受監(jiān)管制約較多,發(fā)展不夠靈活,因此在技術(shù)、管理、產(chǎn)品創(chuàng)新和功能等方面還存在著一定的問題,難以很好的應(yīng)對(duì)互聯(lián)網(wǎng)金融發(fā)展對(duì)銀行的挑戰(zhàn)。本文在闡述互聯(lián)網(wǎng)金融的涵義、特點(diǎn)、發(fā)展?fàn)顩r的基礎(chǔ)上,主要就互聯(lián)網(wǎng)金融對(duì)銀行業(yè)地位、銀行經(jīng)營(yíng)模式、銀行收入以及銀行信息資源的影響進(jìn)行了闡述。自此基礎(chǔ)上,本文結(jié)合中國(guó)工商銀行的實(shí)際情況,側(cè)重分析了互聯(lián)網(wǎng)金融對(duì)工商銀行的業(yè)務(wù)沖擊,特別是對(duì)支付業(yè)務(wù)、融資業(yè)務(wù)、存款業(yè)務(wù)以及企業(yè)信息處理等傳統(tǒng)業(yè)務(wù)的挑戰(zhàn)。最后,本文結(jié)合工商銀行傳統(tǒng)金融業(yè)務(wù)發(fā)展定位、及其面臨的挑戰(zhàn)和機(jī)遇,就如何應(yīng)對(duì)互聯(lián)網(wǎng)的沖擊提出了有針對(duì)性的應(yīng)對(duì)策略。研究結(jié)果表明:(1)互聯(lián)網(wǎng)金融的快速發(fā)展對(duì)傳統(tǒng)的銀行業(yè)務(wù)影響,主要體現(xiàn)在銀行存款、支付結(jié)算、融資、理財(cái)?shù)葮I(yè)務(wù)領(lǐng)域。(2)面對(duì)互聯(lián)網(wǎng)沖擊,工商銀行積極發(fā)展“支付+融資+信息”的經(jīng)營(yíng)模式,工商銀行“E-ICBC”戰(zhàn)略總目標(biāo)在于構(gòu)建一個(gè)支付、融資、金融交易、商務(wù)、信息五大功能于一體的服務(wù)體系。(3)面對(duì)互聯(lián)網(wǎng)金融發(fā)展的挑戰(zhàn)與機(jī)遇,工商銀行需要從市場(chǎng)擴(kuò)張、目標(biāo)市場(chǎng)、產(chǎn)品組合、渠道建設(shè)、研發(fā)支持等方面進(jìn)行完善和布局,積極尋找與新興互聯(lián)網(wǎng)金融企業(yè)的合作切入點(diǎn),加強(qiáng)以客戶為中心的服務(wù)意識(shí),積極轉(zhuǎn)型和應(yīng)對(duì)沖擊,從而在激烈的金融競(jìng)爭(zhēng)中立于不敗之地。
[Abstract]:With the rapid development and wide use of computer and Internet technology, especially the rapid development of Internet finance, traditional commercial banks in China are facing great challenges. In recent years, Industrial and Commercial Bank of China (ICBC) has achieved some success in commercial banks, although it has developed rapidly and occupied a certain market. However, under the impact of the Internet financial boom, due to its large scale, being subject to more regulatory constraints, and lacking flexibility in development, there are still some problems in technology, management, product innovation and function, etc. It is difficult to deal with the challenge of Internet financial development to banks. On the basis of expounding the meaning, characteristics and development of Internet finance, this paper mainly expounds the influence of Internet finance on banking status, bank management mode, bank income and bank information resources. On this basis, this paper analyzes the impact of Internet finance on ICBC's business, especially the payment business and financing business, combined with the actual situation of ICBC. The challenge of traditional business, such as deposit business and enterprise information processing. Finally, this paper puts forward some countermeasures on how to deal with the impact of the Internet, combining with the development orientation of ICBC's traditional financial business, and the challenges and opportunities it faces. The results show that: (1) the rapid development of Internet finance affects the traditional banking business, mainly reflected in the bank deposits, payment and settlement, financing, financing and other business areas. (2) facing the impact of the Internet. ICBC actively develops the business model of "payment financing information". The overall goal of ICBC's "E-ICBC" strategy is to build a payment, financing, financial transaction and business. Service system with five functions of information. (3) in the face of the challenges and opportunities of Internet financial development, ICBC needs to improve and layout from the aspects of market expansion, target market, product mix, channel construction, research and development support, etc. Actively looking for the starting point of cooperation with the new Internet financial enterprises, strengthening the customer-centered service consciousness, actively transforming and coping with the impact, thus in the fierce financial competition in an invincible position.
【學(xué)位授予單位】：石河子大學(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)：2355094