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论文编号：	6991
作者编号：	2120123058
上传时间：	2014/12/9 17:02:50
中文题目：	互联网金融冲击下中国银行业务发展策略研究
英文题目：	Research on strategies for BOC to deal with the Internet financial impacts
指导老师：	王全喜
中文关键字：	互联网金融；冲击；中国银行；发展策略
英文关键字：	The Internet finance; impacts;BOC(Bank of China);strategy
中文摘要：	伴随着互联网技术的不断发展，互联网金融在世界范围内不断发展，在很多领域已经具有了同传统金融机构竞争的实力，在我国，由于长期以来，金融服务无法完全满足经济发展的需要，互联网金融的发展被人们寄予了更高的期望，同时，互联网金融本身的发展也很迅猛，已经开始冲击了传统金融机构的业务范围，商业银行更是受到了最为直接的冲击。文章在研究互联网金融概念、特征与功能的基础之上，分析了互联网金融在国内、国外的发展背景、发展特征、发展趋势；并以此为前提，讨论了互联网金融的发展对于我国银行业金融机构的冲击， 互联网金融的发展通过降低消费者获得金融服务的成本，吸引了大量的客户，客户基础的流失从整体上冲击了银行的经营发展。互联网理财产品的大量推出、互联网融资产品的不断创新，在资产项、负债项上都对银行业金融机构产生了影响，互联网开放、包容的理念也会对银行业相对封闭的风险管理理念造成一定影响。中国银行作为一家持续经营百年的银行，在面对互联网金融冲击的过程中，既具有银行业普遍所面临的共性问题，同样也具有自身独特的问题，这些问题正是中国银行所需要高度重视并要加以解决的。中国银行在互联网金融的时代已经进行了许多卓有成效的尝试，提升了竞争实力，同时也为更好的适应互联网金融时代的发展积累了经验。中国银行拥有专业的人才队伍，遍布全球的服务网络，特别在国际业务领域具有领先的市场地位，应当充分发挥中国银行的核心竞争力，转变中国银行的经营理念，调整经营策略，只有这样，中国银行才能在竞争激烈的互联网金融时代持续稳健发展，成为国际一流的银行。具体到中国银行的发展策略，中国银行应当坚持打造“智慧银行”，主动出击，打造以中国银行为核心的金融生态圈，完善适应互联网时代的渠道体系，也要加强与互联网金融企业的合作，取长补短，促进中国银行自身的发展。文章共有图12幅，表6个，参考文献43篇。
英文摘要：	With the continuous development of Internet technology, the Internet finance developed in the world, in a lot of fields, the Internet finance had enough power to compete with traditional financial institutions. In our country, for a long time, financial services can not fully meet the needs of economic development, so , People had higher expectations with the development of Internet finance .The Internet finance is also growing rapidly, the impacts of the traditional business scope of financial institutions are clear. The bank have been most directly impact. This article discuss the concept, characteristics and functions of Internet finance, analyze the development background, characteristics, and development trend around the world of E-Finance. Show the impacts to the traditional financial institutions from the Internet finance. Development of Internet finance reduced the cost of consumers’, they get the financial service with low price. The Internet finance attract a large number of customers. The loss of customers impact the management of commercial banks. Lots of Internet finance products impact the commercial bank in the assets and liabilities .The Internet finance also impact the risk management of commercial bank, which is conservative . Bank of China have long history ,when BOC meet the challenge from the Internet finance ,BOC have the same problem with other banks, but, BOC also have the unique situation, BOC must to focus these problems and solve them. BOC have lots of great attempts, enhance the strength, and get the valuable experience. Bank of China have lots of professional persons, the business place are all over the world ,in International Business, BOC have the powerful ability .BOC should t o develop the core competitiveness, change management ideas , adjust business strategy, so the Bank of China could become the best bank around the world in the fierce market competition . Bank of China must design distinct development tactics for its future. BOC should develop the “smart bank” and take part in the competition actively. Bank of China should build the financial ecological circle, the financial ecological circle must operate under BOC’s control, accelerate the establishment and completion of the operating system to fit the need of age of internet. Bank of China should strengthen the cooperation with Internet-finance enterprises. BOC could learn from others' strong points and close the gap to promote self-development. The full text contains Figure 12, Table 6, reference 43.
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