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论文编号：	7055
作者编号：	2120123034
上传时间：	2014/12/11 9:42:45
中文题目：	互联网金融背景下的商业银行发展策略研究
英文题目：	Strategy research for commercial banks in Internet Finance
指导老师：	苏东海
中文关键字：	互联网；金融；商业银行；业务发展策略
英文关键字：	internet; finance; commercial banks; business development strategy
中文摘要：	随着互联网技术、移动技术、信息技术的快速发展，特别是第三方支付、移动支付、大数据、云计算等信息技术的普及和应用，使我国互联网金融发展迅猛。互联网企业借助互联网平台和大数据信息处理技术优势大力发展互联网金融，对商业银行的业务经营形成了直接的冲击和竞争，对商业银行的金融地位、经营理念、业务模式、收益模式等方面产生深远的影响。在此背景下，基于互联网金融背景的商业银行发展策略的研究对商业银行的下一步发展具有重要的现实意义。本文共分为六个章节，第一章为绪论，介绍了本文的研究背景、研究的目的、意义、思路和方法；第二章为互联网金融相关理论的解释，包括互联网金融的优势及发展意义、互联网金融相关理论；第三章为互联网金融对商业银行发展的影响，主要总结了目前互联网金融的业务模式、分析了互联网金融模式对商业银行的金融地位产生的影响、商业银行面临各方面的变革；第四章为商业银行在互联网金融背景下的发展策略，通过研究商业银行在互联网金融背景下的应对措施，提出商业银行在互联网金融背景下的发展策略；第五章分析了目前商业银行在互联网金融背景下的具体举措及应关注的风险与挑战；第六章为结论和建议，对本文的研究成果进行总结，对互联网背景下商业银行的发展策略的实施提出建议。互联网金融的兴起，是金融行业迎合市场需求而进行的创新发展，有利于我国金融服务体系的完善和健全。商业银行在国家的金融服务体系中占据重要地位，研究互联网金融对商业银行的影响，研究商业银行的下一步的发展战略及具体措施，不仅有利于商业银行的持续发展，对国家金融、经济建设都具有重要意义。
英文摘要：	With the rapid development of Internet technology, mobile technology, information technology, especially the popularization and application of the third-party payment, mobile payment, big data, cloud computing and other information technologies, China's Internet financial develops rapidly. The internet companies use the Internet platform and big data processing technology to develop the Internet financial, forming a direct impact and competition of the commercial bank business. The Internet financial has a significant impact on commercial bank's financial status, business philosophy, business model, profit model. Therefore, in the context of Internet financial, the study on the development strategy of commercial banks has important theoretical value and practical significance for the commercial banks. This paper includes six chapters, the first chapter is the introduction, includes the research background, objective and significance, ideas and methods, and the innovations; the second chapter is the Internet finance related theories, including the advantages and significance; the third chapter is the influence of the Internet finance for commercial banks development, it includes the influence of the commercial bank's financial status; the fourth chapter proposes the business development strategies of the commercial banks in the context of the Internet financial. Through the study on the development of the commercial banks in Internet financial, it proposes the business development strategies of the commercial banks; The fifth chapter analyzes the current commercial banks specific measures under the background of internet financial and the risks and challenges; the sixth chapter is the summary and suggestion. It summarizes the full text, and also proposes the suggestions of development strategies for the commercial banks in the context of the Internet financial. The Internet finance, is the development of the financial to meet the market demand and, in favor of financial service system in China. Commercial banks occupy an important position in the financial services system countries, research on the influence of the Internet Finance on commercial banks, and the development strategy and specific measures of commercial banks, not only conducive to the sustained development of commercial banks, which is of great significance for the national financial and economic construction.
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