- 學位論文
互聯網金融模式對中國的銀行經營現況的探討
Discussion on the Current Situation of Banking Management in China by Internet Financial Model
摘要
每天，中國兩大電子商務平台阿里巴巴、京東的商品成交額為18.5億美元(約新台幣569.5億元)，騰訊地圖被造訪500億次，透過行動支付完成小額交易達2.66億筆........。 隨著互聯網信息技術的發展、成熟和完善，傳統商業銀行的服務理念以及日常運營模式受到了深入的影響。怎麼切實增強傳統商業銀行的競爭力、轉變服務理念，是推進我國互聯網金融市場化改革的目的所在。在這強大的背景下，勢必會促使傳統商業銀行盡快完成觀念轉變，並以此為基礎，增強自身的創新能力以及服務能力 ，從而實現核心競爭力的提升，以便在激烈的市場競爭中獲得生存和發展的機遇。 本文首先介紹互聯網金融的特徵，然後透過互聯網金融最主要的三種模徑:第三方支付、P2P小額信用貸款及投資理財，與阿里巴巴的支付寶、餘額寶、阿里小貸進行比較，互聯網這種新型的金融模式對金融機構銀行產生了一定程度的沖擊，互聯網融的迅速發展，未來對商業銀行的影響只會產生更加激烈的競爭。因此互聯網金融的發展已經成為當前重點研究內容，對銀行業中存在的問題具有重大的現實意義。本研究主要貢獻除了討中國大陸互聯網金融發展的簡單概述外，並針對互聯網金融發展對中國商業銀行的影響提出相關解決策略，在銀行各項產品設計上及人員的教育訓練上能更有針對性，能大幅減少銀行各項產品費用支出上。
並列摘要
With the development, maturity and improvement of Internet information technology, the service concept and daily operation mode of traditional commercial banks have been deeply affected. How to effectively enhance the competitiveness of traditional commercial banks and change the service concept is the purpose of promoting the market-oriented reform of Internet finance in China. In this strong context, it is bound to prompt traditional commercial banks to complete the concept change as soon as possible, and based on this, enhance their own innovation and service capabilities, so as to achieve the core competitiveness, in order to survive in the fierce market competition. And opportunities for development. This paper first introduces the characteristics of Internet finance, and then through the three main modes of Internet finance: third-party payment, P2P micro-credit loan and investment and wealth management, compared with Alibaba's Alipay, Yu'ebao, Ali Xiaoyu, the new Internet The financial model has had a certain degree of impact on financial institutions' banks. The Internet has developed rapidly, and the impact on commercial banks in the future will only lead to more intense competition. Therefore, the development of Internet finance has become the current key research content, which has great practical significance for the problems in the banking industry. In addition to a brief overview of the development of Internet finance in mainland China, the main contribution of this research is to propose relevant solutions to the impact of Internet finance development on Chinese commercial banks, and to be more targeted in the design of bank products and the education and training of personnel. Can significantly reduce the cost of various products of the bank.