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论文编号：	10261
作者编号：	2220160724
上传时间：	2018/11/27 8:11:27
中文题目：	PM银行互联网金融业务发展研究
英文题目：	A Study on the Development Strategy of the Internet Financial Business of PM Bank
指导老师：	姚　颐
中文关键字：	互联网金融；PM银行；橙e网
英文关键字：	Internet finance; PM Bank; Cheng e-Net
中文摘要：	近年来随着互联网科技的发展，互联网金融呈现出爆发式的增长，第三方支付、线上融资和理财、数字货币在改变人们的消费和生活习惯的同时，也对传统商业银行的经营模式以及盈利造成了巨大的冲击。在此背景下，PM银行转变自身的传统观念，结合自身的核心优势和互联网，建立自身的电商平台，推出线上融资以及理财业务来应对互联网金融所带来的挑战。 首先本文在对互联网理论基础进行梳理，分析了我国互联网金融的发展现状，其中重点介绍了互联网金融中第三方支付、P2P网贷和线上理财发展现状，最终得出互联网金融对我国传统商业银行的存贷款业务造成了较大的冲击，迫使我国传统商业银行改变经营思路，发展互联网金融。 其次在了解了我国互联网金融发展现状之后，本文对PM银行的整体发展情况做出了简要介绍，并分析了互联网金融对PM银行的存款业务、贷款业务和理财业务造成的影响；随后进一步分析了PM银行发展互联网金融的战略，其中着重介绍了PM银行的电商平台业务、在线理财平安盈业务以及在线融资KYB业务，并将其与同业银行和互联网金融公司的类似业务进行对比，总结出了PM银行的互联网业务发展战略的优劣势。 最后针对PM银行发展互联网业务中存在的劣势和互联网战略中存在的不足做出了总结，并针对其发展的不足提出了相对应的建议。
英文摘要：	In recent years, with the development of Internet technology, Internet finance has experienced explosive growth. Third-party payment, online financing and wealth management, and digital currency have changed the consumption and living habits of people, as well as the business model of traditional commercial banks. In this context, PM Bank has transformed its traditional concept, combined with its core strengths and the Internet, established its own e-commerce platform, launched online financing and wealth management services to cope with the challenges brought by Internet finance. Firstly, this paper sorts out the theoretical basis of Internet and analyzes the development status of Internet finance in China. It focuses on the status of third-party payment, P2P online loan and online financial development in Internet finance, and finally concludes that Internet finance is a traditional commercial bank in China. The deposit and loan business has caused a big impact, forcing China's traditional commercial banks to change their business ideas and develop Internet finance. Secondly, after analyzed the status quo of China's Internet finance development, this paper gives a brief introduction to the overall development of PM Bank, and further analyzes the impact of Internet Finance on PM Bank's deposit business, loan business and wealth management business; In the fifth chapter, this paper further analyzes PM Bank's strategy of developing Internet finance, which focuses on PM Bank's e-commerce platform business, online wealth management Pingying business and online financing KYB business, and it is related to interbank banks and internet finance companies. Comparing similar business, summed up the advantages and disadvantages of PM Bank's Internet business development strategy. On this basis, Finally this paper puts forward the following four suggestions for the development of PM Bank's Internet finance business.
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