發(fā)布時(shí)間：2018-01-12 10:32

  本文關(guān)鍵詞：互聯(lián)網(wǎng)金融對(duì)泉州銀行的影響及對(duì)策研究　出處：《華僑大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 互聯(lián)網(wǎng)金融 商業(yè)銀行 影響 策略

【摘要】：以第三方支付、P2P、互聯(lián)網(wǎng)基金、眾籌融資等為標(biāo)志的互聯(lián)網(wǎng)金融正在迅速發(fā)展,2015年我國在互聯(lián)網(wǎng)模式下的第三方支付交易額達(dá)到12萬億元,比上年同期增長(zhǎng)46.9%,網(wǎng)絡(luò)借貸業(yè)務(wù)量激增,行業(yè)交易規(guī)模約為8800億元、用戶數(shù)逼近4000萬人,阿里小貸推出的小額信貸業(yè)務(wù)量激增,互聯(lián)網(wǎng)金融的迅速興起給銀行業(yè)帶來很大影響,一步步改變金融消費(fèi)者的服務(wù)需求,改變其消費(fèi)習(xí)慣,進(jìn)而對(duì)銀行現(xiàn)有的經(jīng)營管理造成一定沖擊,未來會(huì)有更加廣闊的發(fā)展空間,這一背景下中小商業(yè)銀行應(yīng)如何順勢(shì)而為,積極發(fā)力互聯(lián)網(wǎng)金融,實(shí)現(xiàn)持續(xù)發(fā)展十分值得研究。對(duì)泉州銀行的發(fā)展來說,互聯(lián)網(wǎng)金融的興起存在有利的一面,為其和銀行同業(yè)競(jìng)爭(zhēng)提供了很好的機(jī)會(huì)。如果能夠抓住這一契機(jī),改變舊有經(jīng)營理念,改變舊有管理模式,推進(jìn)金融服務(wù)的創(chuàng)新,推進(jìn)新興業(yè)務(wù)的發(fā)展,就能形成同業(yè)不具備的優(yōu)勢(shì)之處。本文在分析我國互聯(lián)網(wǎng)金融發(fā)展現(xiàn)狀的基礎(chǔ)上,分析互聯(lián)網(wǎng)金融不同業(yè)態(tài)對(duì)泉州銀行的影響,深入分析泉州銀行發(fā)展互聯(lián)網(wǎng)金融業(yè)務(wù)的可行之處,雖然新形勢(shì)下面臨經(jīng)濟(jì)下行、金融脫媒等諸多挑戰(zhàn),但同時(shí)在優(yōu)化內(nèi)部管理、改善客戶服務(wù)等也面臨新契機(jī),泉州銀行應(yīng)利用自身優(yōu)勢(shì)并借鑒相關(guān)銀行經(jīng)驗(yàn),通過明確戰(zhàn)略定位、擴(kuò)展經(jīng)營渠道、加強(qiáng)產(chǎn)品創(chuàng)新、拓展中間業(yè)務(wù)、再造業(yè)務(wù)流程、推進(jìn)信息化建設(shè)、提升風(fēng)控能力等對(duì)策,坦然應(yīng)對(duì)互聯(lián)網(wǎng)金融時(shí)代的來臨,從而促進(jìn)自身的可持續(xù)發(fā)展。
[Abstract]:The third party payment, P2P, Internet Fund, financing the public finance is the symbol of the Internet is developing rapidly, China in 2015 on the Internet under the mode of the third party payment transaction volume reached 12 trillion yuan, up 46.9% over the previous year, net lending surge in the volume of business, the industry trade scale is about 880 billion yuan, nearly 40 million users the number of micro credit business of small loans Ali launched surge, the rapid rise of Internet financial industry has brought great influence to the bank, a step change in the financial consumer demand for services, change their consumption habits, and have a certain impact on the bank's existing management, the future will have more broad space for development, the small and medium-sized commercial banks under the background of how to take advantage of the positive force Internet banking, to achieve sustainable development is worth studying. On the development of the Bank of Quanzhou, there is the rise of Internet Banking Advantageously, provide a good opportunity for the interbank competition. And if we can seize this opportunity to change the old management idea, change traditional management mode, promote the innovation of financial services, to promote the development of new business, can not have the advantages of forming industry. Based on the analysis of the current situation of the development of the Internet financial in China, analysis of different formats of Internet financial impact on the Bank of Quanzhou, in-depth analysis of feasibility of the development of Internet banking services of the Bank of Quanzhou, although the economic downturn faced under the new situation, the challenges of financial disintermediation, but at the same time to optimize the internal management, improve customer service is also facing new opportunities, Quanzhou bank should use its advantages and from the relevant banking experience, through a clear strategic positioning, expanding business channels, enhance product innovation, expand the intermediate business, business process reengineering, promote informatization Construction, improve the ability of wind control and other countermeasures to deal with the advent of the Internet financial era, so as to promote the sustainable development of its own.

【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

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本文編號(hào)：1413879