本文選題：互聯(lián)網(wǎng)金融　切入點：商業(yè)銀行　出處：《對外經(jīng)濟貿(mào)易大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：現(xiàn)代信息技術(shù)的發(fā)展正迅速改變著人類的社會生活和經(jīng)濟活動，互聯(lián)網(wǎng)金融業(yè)務(wù)產(chǎn)生于傳統(tǒng)金融業(yè)務(wù)中，隨著時代的變遷、人們觀念的轉(zhuǎn)變以及現(xiàn)代信息技術(shù)的大發(fā)展，互聯(lián)網(wǎng)金融業(yè)務(wù)取得了長足的發(fā)展。2013年，互聯(lián)網(wǎng)金融成為金融行業(yè)最熱門的話題，且被視為影響我國商業(yè)銀行2013年利潤的重要原因，互聯(lián)網(wǎng)金融的快速發(fā)展，給傳統(tǒng)銀行業(yè)帶來巨大沖擊的同時，也給銀行業(yè)帶了機遇，我國商業(yè)銀行必須要審時度勢，與時俱進，要從管理理念和經(jīng)營模式等方面進行創(chuàng)新和改革。本文對互聯(lián)網(wǎng)金融的發(fā)展現(xiàn)狀、對銀行業(yè)的沖擊以及互聯(lián)網(wǎng)企業(yè)和傳統(tǒng)商業(yè)銀行的優(yōu)劣勢進行了詳細分析，同時也對互聯(lián)網(wǎng)競爭新形勢下商業(yè)銀行的應(yīng)對策略及改革創(chuàng)新提出了建議。 本文主要研究內(nèi)容包括：第一章首先介紹了互聯(lián)網(wǎng)金融的研究背景和意義，然后歸納了國內(nèi)外有關(guān)互聯(lián)網(wǎng)金融的研究文獻，最后介紹了本文的研究框架和研究方法；第二章對互聯(lián)網(wǎng)金融的發(fā)展概況和功能進行研究；第三章研究了互聯(lián)網(wǎng)金融對我國傳統(tǒng)銀行業(yè)的沖擊；第四章從價值交換角度和第三方支付用戶角度分析商業(yè)銀行與互聯(lián)網(wǎng)企業(yè)的優(yōu)劣勢；第五章對互聯(lián)網(wǎng)競爭新形勢下商業(yè)銀行的應(yīng)對策略及改革創(chuàng)新提出了建議；第六章總結(jié)了本文的主要研究成果，并指出了仍可進一步研究的內(nèi)容和方向。 通過全文研究，本文得出的結(jié)論如下：互聯(lián)網(wǎng)金融與商業(yè)銀行將是共生和競合的生態(tài)，互聯(lián)網(wǎng)金融的本質(zhì)是互聯(lián)網(wǎng)與金融的跨界與融合，它的崛起將給商業(yè)銀行帶來新的發(fā)展機會，而非致命的沖擊，所以商業(yè)銀行應(yīng)在發(fā)展過程中充分的尋求優(yōu)勢互補，加強跨界融合，加快推進轉(zhuǎn)型發(fā)展。 本文雖然取得了一定了研究成果，但仍有一些不足需要改進。隨著我國互聯(lián)網(wǎng)金融的發(fā)展，，本文認(rèn)為在此基礎(chǔ)上應(yīng)該進一步進行更多的理論研究和實證研究，不僅要分析、研究商業(yè)銀行的發(fā)展策略，還要研究互聯(lián)網(wǎng)金融的風(fēng)險以及相應(yīng)的監(jiān)管措施。
[Abstract]:The development of modern information technology is rapidly changing the social life and economic activities of human beings. The Internet financial business comes into being in the traditional financial business. With the change of times, the change of people's concept and the great development of modern information technology, In 2013, Internet finance became the hottest topic in the financial industry, and it was regarded as an important reason to affect the profits of Chinese commercial banks in 2013, and the rapid development of Internet finance. While bringing great impact to the traditional banking industry, it also brings opportunities to the banking industry. The commercial banks of our country must review the situation and keep pace with the times. This paper analyzes the current situation of Internet finance, the impact of banking, and the advantages and disadvantages of Internet enterprises and traditional commercial banks. At the same time, it also puts forward some suggestions on the strategy and innovation of commercial banks under the new situation of Internet competition. The main contents of this paper include: the first chapter introduces the research background and significance of Internet finance, then summarizes the domestic and foreign research literature on Internet finance, and finally introduces the research framework and research methods of this paper; The second chapter studies the development and function of Internet finance, the third chapter studies the impact of Internet finance on China's traditional banking industry. Chapter 4th analyzes the merits and demerits of commercial banks and Internet enterprises from the perspective of value exchange and third-party payment users, and Chapter 5th puts forward suggestions for the countermeasures and reform and innovation of commercial banks under the new situation of Internet competition. Chapter 6th summarizes the main research results of this paper, and points out the contents and directions that can be further studied. The conclusions of this paper are as follows: Internet finance and commercial banks will be symbiotic and competitive ecology, the essence of Internet finance is the cross-border and fusion of Internet and finance. Its rise will bring new development opportunities to commercial banks, not a fatal impact, so commercial banks should fully seek complementary advantages in the process of development, strengthen cross-border integration, and accelerate the development of transformation. Although some research results have been obtained in this paper, there are still some shortcomings to be improved. With the development of Internet finance in China, this paper believes that more theoretical and empirical research should be carried out on this basis, not only to analyze, but also to analyze. Research the development strategy of commercial banks, but also study the risks of Internet finance and the corresponding regulatory measures.
【學(xué)位授予單位】：對外經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F49

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