本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)銀行��； 參考：《中國社會(huì)科學(xué)院研究生院》2016年博士論文

【摘要】：互聯(lián)網(wǎng)技術(shù)的發(fā)展催生出了新的金融業(yè)態(tài)——互聯(lián)網(wǎng)金融。當(dāng)前,互聯(lián)網(wǎng)金融創(chuàng)新受到社會(huì)各界的充分肯定,也引起國家層面的重視和支持。商業(yè)銀行作為我國的核心金融部門,已經(jīng)積累了幾十年網(wǎng)絡(luò)金融業(yè)務(wù)運(yùn)行的基本經(jīng)驗(yàn),構(gòu)建了一套較為完善的風(fēng)險(xiǎn)管理體系,擁有了一批既熟悉金融、也懂互聯(lián)網(wǎng)技術(shù)應(yīng)用的人才,存儲(chǔ)了大量體系內(nèi)的“大數(shù)據(jù)”,同時(shí)還擁有資金、客戶等優(yōu)勢,注定不會(huì)是互聯(lián)網(wǎng)金融創(chuàng)新浪潮下的看客。但是從已有研究文獻(xiàn)來看,對(duì)于互聯(lián)網(wǎng)金融背景下商業(yè)銀行的創(chuàng)新研究相對(duì)滯后。一是對(duì)互聯(lián)網(wǎng)金融與商業(yè)銀行創(chuàng)新的單獨(dú)研究相對(duì)較多,而對(duì)兩者結(jié)合的研究極少;二是關(guān)于互聯(lián)網(wǎng)金融創(chuàng)新與商業(yè)銀行創(chuàng)新之間的作用機(jī)理研究相對(duì)薄弱;三是研究以定性評(píng)述為主,缺乏定量指標(biāo)體系和理論實(shí)證;四是對(duì)策建議不夠系統(tǒng),往往缺乏對(duì)風(fēng)險(xiǎn)的考量。加強(qiáng)對(duì)互聯(lián)網(wǎng)金融模式下商業(yè)銀行創(chuàng)新的研究,有利于加快商業(yè)銀行傳統(tǒng)經(jīng)營服務(wù)模式的深層次變革,促進(jìn)商業(yè)銀行運(yùn)營管理模式、業(yè)務(wù)發(fā)展模式、產(chǎn)品服務(wù)模式、人才管理模式以及風(fēng)險(xiǎn)管控模式等的轉(zhuǎn)型與創(chuàng)新,具有十分重要的理論和實(shí)踐意義。本文將文獻(xiàn)研究作為分析問題的邏輯起點(diǎn),在第一章中對(duì)已有文獻(xiàn)進(jìn)行計(jì)量分析,討論相關(guān)研究的發(fā)展脈絡(luò)和發(fā)展趨勢,以及已有研究存在的不足之處。在此基礎(chǔ)上,第二章提出本文對(duì)互聯(lián)網(wǎng)金融的定義,并對(duì)已有互聯(lián)網(wǎng)金融的模式進(jìn)行了簡單的分類。接著對(duì)互聯(lián)網(wǎng)金融的相關(guān)核心理論基礎(chǔ)進(jìn)行了分析,包括網(wǎng)絡(luò)經(jīng)濟(jì)學(xué)、平臺(tái)經(jīng)濟(jì)學(xué)、信息經(jīng)濟(jì)學(xué)理論、金融中介理論、交易成本理論、金融深化理論等。第三章從當(dāng)前互聯(lián)網(wǎng)金融的主要?jiǎng)?chuàng)新入手,分析互聯(lián)網(wǎng)金融創(chuàng)新產(chǎn)生的外部機(jī)制、內(nèi)部機(jī)制,以及互聯(lián)網(wǎng)金融創(chuàng)新的運(yùn)行機(jī)制,認(rèn)為互聯(lián)網(wǎng)金融創(chuàng)新的運(yùn)行機(jī)制是在交易成本、金融中介、金融深化等理論基礎(chǔ)上,以信用為前提、以信息為核心、以技術(shù)為基礎(chǔ)、以法治為保障的互聯(lián)網(wǎng)行業(yè)和金融行業(yè)的產(chǎn)業(yè)融合。隨后通過實(shí)證分析,從技術(shù)角度討論技術(shù)對(duì)推動(dòng)互聯(lián)網(wǎng)金融創(chuàng)新與發(fā)展的作用,認(rèn)為促進(jìn)金融以及其他依賴于信息技術(shù)的產(chǎn)業(yè)的發(fā)展,政府因當(dāng)尊崇公共設(shè)施投入優(yōu)先。為了進(jìn)一步研究互聯(lián)網(wǎng)金融對(duì)商業(yè)銀行創(chuàng)新的影響,第四章從互聯(lián)網(wǎng)金融對(duì)商業(yè)銀行創(chuàng)新的影響原因、影響的基本途徑、影響過程以及影響結(jié)果來閘述互聯(lián)網(wǎng)金融對(duì)商業(yè)銀行創(chuàng)新的影響。采集了商業(yè)銀行的盈利能力、業(yè)務(wù)創(chuàng)新和產(chǎn)品創(chuàng)新能力、技術(shù)創(chuàng)新水平、人力資源創(chuàng)新水平以及創(chuàng)新風(fēng)險(xiǎn)控制能力這五個(gè)方面的基礎(chǔ)指標(biāo),利用主成分分析法構(gòu)建了反映其創(chuàng)新能力的指標(biāo)。同時(shí)利用全國省級(jí)面板數(shù)據(jù)分析模型對(duì)中國各省區(qū)互聯(lián)網(wǎng)金融創(chuàng)新能力和商業(yè)銀行創(chuàng)新的關(guān)系進(jìn)行了實(shí)證分析,實(shí)證分析的結(jié)果表明互聯(lián)網(wǎng)金融創(chuàng)新不管是在當(dāng)期還是滯后一期,都對(duì)商業(yè)銀行創(chuàng)新具有顯著的影響。第五章利用態(tài)勢分析法,從宏觀視角分析商業(yè)銀行創(chuàng)新的優(yōu)勢、劣勢、機(jī)會(huì)以及挑戰(zhàn)。從渠道創(chuàng)新、產(chǎn)品創(chuàng)新、資產(chǎn)創(chuàng)新、風(fēng)控創(chuàng)新四個(gè)角度對(duì)商業(yè)銀行的互聯(lián)網(wǎng)金融創(chuàng)新進(jìn)行梳理,并進(jìn)行了國際比較。第六章通過案例分析對(duì)第五章的內(nèi)容進(jìn)行深化。選取了民生銀行直銷銀行、中信銀行“薪金煲”、招商銀行“小企業(yè)e家”以及平安銀行線上供應(yīng)鏈金融四個(gè)案例,分析商業(yè)銀行在渠道、產(chǎn)品、資產(chǎn)以及風(fēng)控上的創(chuàng)新經(jīng)驗(yàn)和啟示。在前六章的研究基礎(chǔ)上,第七章從制度創(chuàng)新、組織創(chuàng)新、產(chǎn)品創(chuàng)新、渠道創(chuàng)新、技術(shù)創(chuàng)新、風(fēng)控創(chuàng)新六個(gè)方面,給出商業(yè)銀行互聯(lián)網(wǎng)金融創(chuàng)新的策略和路徑。在互聯(lián)網(wǎng)金融下,商業(yè)銀行創(chuàng)新的法律風(fēng)險(xiǎn)、信息技術(shù)風(fēng)險(xiǎn)、混業(yè)風(fēng)險(xiǎn)、長尾風(fēng)險(xiǎn)等尤為突出,第八章通過對(duì)我國監(jiān)管現(xiàn)狀的分析以及美國、歐盟、日本等監(jiān)管經(jīng)驗(yàn)的總結(jié),提出應(yīng)當(dāng)完善相關(guān)法律體系、構(gòu)筑監(jiān)管協(xié)調(diào)機(jī)制、構(gòu)建統(tǒng)計(jì)監(jiān)測平臺(tái)、強(qiáng)化信息技術(shù)風(fēng)險(xiǎn)防范以及加強(qiáng)消費(fèi)者權(quán)益保護(hù)的建議。
[Abstract]:The development of Internet technology has brought out a new financial format - Internet finance. At present, the Internet financial innovation is fully affirmed by all circles of society, and it has also aroused the attention and support of the national level. As the core financial department of our country, commercial banks have accumulated the basic experience of the operation of network finance for several decades. A set of more perfect risk management system has a number of talents who are familiar with the financial and Internet technology applications, and have stored a large number of "big data" in the system, and also have the advantages of funds and customers. It is doomed to not be a visitor to the wave of Internet financial innovation. But from the existing research literature, it is very important to the Internet finance. The innovation research of commercial banks is relatively lagging behind in the background. One is that the independent research on the innovation of Internet Finance and commercial banks is relatively more, and the research on the combination of the two is very few. Two, the research on the mechanism between the Internet financial innovation and the innovation of commercial banks is relatively weak; the three is the qualitative review mainly, and the lack of quantitative reference. The four is that the countermeasures and suggestions are not systematic and often lack the consideration of the risk. Strengthening the research on the innovation of commercial banks under the Internet financial model will help to accelerate the deep change of the traditional business service mode of commercial banks, promote the management mode of commercial banks, the business development model, the product service mode, and the talents. The transformation and innovation of management mode and risk management and control model have very important theoretical and practical significance. In this paper, literature research is the logical starting point of the analysis. In the first chapter, the existing literature is measured and analyzed, and the development and trend of related research are discussed, and the shortcomings of the existing research are also discussed. On this basis, the second chapter puts forward the definition of Internet finance, and makes a simple classification of the existing model of Internet finance. Then it analyzes the core theoretical basis of Internet finance, including network economics, platform economics, information economics theory, financial intermediary theory, transaction cost theory, financial depth. The third chapter, starting with the main innovation of the current Internet finance, analyzes the external mechanism, internal mechanism and operating mechanism of Internet financial innovation, and thinks that the operating mechanism of Internet financial innovation is based on the theory of transaction cost, finance medium and financial deepening, which is based on credit. With the information as the core, the technology as the basis, the integration of the Internet industry and the financial industry with the rule of law as the guarantee, the role of technology in promoting the Internet financial innovation and development is discussed from a technical point of view. In order to further study the impact of Internet Finance on commercial banks' innovation, the fourth chapter discusses the impact of Internet Finance on commercial banks' innovation, the basic approach, the impact process and the impact of the impact of Internet Finance on commercial banks. The five basic indexes of business innovation and product innovation ability, technological innovation level, human resource innovation level and innovation risk control ability are used to build an index to reflect their innovation ability by principal component analysis. At the same time, using the national provincial panel data analysis model, the innovation ability of Internet Finance in China's provinces and regions is used. The empirical analysis shows that the Internet financial innovation has a significant impact on the innovation of commercial banks. The fifth chapter analyzes the advantages, disadvantages, opportunities and challenges of commercial banks from a macro perspective. New, product innovation, asset innovation, wind control innovation four aspects of commercial banks to comb the Internet financial innovation, and international comparison. The sixth chapter through case analysis to deepen the content of the fifth chapters. Select the Minsheng Bank direct bank, CITIC Bank "pay pot", China Merchants Bank "small business e family" and peace Four cases of Supply Chain Finance on the bank line are used to analyze the innovative experience and Enlightenment of commercial banks in channels, products, assets and wind control. On the basis of the first six chapters, the seventh chapter gives the policy of Internet financial innovation in commercial banks from six aspects: system innovation, organization innovation, product innovation, channel innovation, technology innovation and wind control innovation. Under the Internet finance, the legal risk, the information technology risk, the mixed risk, the long tail risk of the commercial banks are particularly prominent. The eighth chapter, through the analysis of the current situation of China's supervision and the summary of the supervision experience in the United States, the European Union and Japan, puts forward that the relevant legal system should be perfected, the regulatory coordination mechanism should be constructed and the statistics should be constructed. Monitoring platform, strengthening information technology risk prevention and strengthening consumer rights and interests protection suggestions.
【學(xué)位授予單位】：中國社會(huì)科學(xué)院研究生院
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2016
【分類號(hào)】：F724.6;F832.33
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本文編號(hào)：1915285