發(fā)布時(shí)間：2018-03-15 07:18

  本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：商業(yè)銀行　出處：《中國(guó)商論》2017年33期 　論文類型：期刊論文

【摘要】：目前淘寶花唄、京東白條、P2P等各大平臺(tái)的小額信貸的業(yè)務(wù)陸續(xù)開(kāi)展起來(lái),有效發(fā)展了互聯(lián)網(wǎng)金融信貸業(yè)務(wù)。在業(yè)務(wù)量不斷加大的影響下,涌現(xiàn)出眾多新型業(yè)務(wù),對(duì)于傳統(tǒng)的以現(xiàn)金信用卡為主的商業(yè)銀行來(lái)說(shuō),是一個(gè)較大的挑戰(zhàn)。由于貨幣存在流動(dòng)性缺失的狀況,使得商業(yè)銀行將短期同業(yè)拆借利率不斷提高,上述行為的發(fā)生表明,商業(yè)銀行對(duì)業(yè)務(wù)結(jié)構(gòu)需要加強(qiáng)改進(jìn)。針對(duì)互聯(lián)網(wǎng)金融信貸業(yè)務(wù),本文主要論述其發(fā)展現(xiàn)狀,同時(shí)與商業(yè)銀行的相關(guān)特點(diǎn)有效結(jié)合,對(duì)商業(yè)銀行受此現(xiàn)象的影響情況進(jìn)行分析,并提出改革建議。
[Abstract]:At present, the micro-credit business of various major platforms such as JingDong, JingDong and other major platforms, such as Taobao Flower, has been developed one after another, effectively developing the Internet financial credit business. Under the influence of increasing business volume, many new types of business have sprung up. It is a great challenge for the traditional commercial banks with cash credit cards. Because of the lack of currency liquidity, commercial banks will continue to raise the short-term interbank offered rate, the occurrence of the above behavior shows that, Commercial banks need to improve their business structure. In view of the Internet financial and credit business, this paper mainly discusses the current situation of its development, and effectively combines with the relevant characteristics of commercial banks to analyze the influence of this phenomenon on commercial banks. And put forward the reform proposal.
【作者單位】： 中國(guó)建設(shè)銀行股份有限公司柳州分行;
【分類號(hào)】：F724.6;F832.4

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