联系我们

论文查询结果	返回搜索

论文编号：	7206
作者编号：	2220140475
上传时间：	2015/6/2 9:35:13
中文题目：	北京银行互联网金融业务策略研究
英文题目：	Study on Business Strategy of Internet Finance of the Bank of Beijing
指导老师：	林润辉
中文关键字：	北京银行；互联网；互联网金融；业务发展策略
英文关键字：	Bank of Beijing， internet， internet finance， development strategy of business
中文摘要：	互联网金融的出现，使得传统商业银行的业务模式包括经营模式、盈利模式和服务模式都随之产生了重要影响，而且这种影响在时间和空间上都将达到新高度。2014年，互联网金融延续了2013年的发展趋势，规模持续扩大，创新层出不穷，不断对银行的各类业务造成冲击。以余额宝为例，2013年年底余额宝的规模达到1800亿，进入2014年余额宝的规模加速扩大，截止2014年末规模已经达到了惊人的5789亿，仅一年多时间就使天弘基金增利宝成为了国内最大的货币基金。不仅如此，类余额宝产品迅速被其他互联网企业以及基金仿效，使得各商业银行储蓄存款被分流，存贷成本被迫升高，北京银行也未能独善其身。在类余额宝产品冲击银行负债端业务的同时，第三方支付对银行的支付结算中间业务造成了冲击；数量众多的P2P平台也分流了不少银行的资产业务；股权众筹的出现更是将直接威胁银行的投行业务。面对冲击北京银行等商业银行不断创新，加快了对网络银行、电子商务、移动支付等业务的研发和产品推广，试图提供更加丰富的金融产品。在此背景下，研究北京银行应对互联网金融的业务发展策略，对以北京银行为代表的中小商业银行的下阶段发展具有重要的现实意义。 本文共分为六部分：第一部分系导论，阐述论文的主要研究背景及意义，论文的主要研究内容和采用的研究方法。第二部分为理论综述。首先讨论互联网金融概念，包括互联网金融的定义、互联网金融的基本框架、互联网金融的主要特点。其次介绍互联网金融发展的相关理论和互联网金融的业务模式。第三部分为北京银行发展互联网金融环境分析。介绍了我国互联网金融的发展概况，从中间业务、负债业务和资产业务分析了互联网金融对商业银行的影响。第四部分为北京银行发展互联网金融现状分析。介绍了北京银行整体发展状况，以及北京银行在互联网金融上的实践，分析了面临的机遇与挑战。第五部分为北京银行发展互联网金融的业务策略。首先分析了北京银行应对互联网金融的业务策略，其次提出了北京银行互联网金融实施路径的建议。第六部分为全文结论。主要是概括性总结本文的研究成果。
英文摘要：	The Internet-Based Finance has tremendous effect on the management mode, profit mode and service mode of traditional commercial bank. In 2014, the Internet-Based Finance continued devel-opment trend in 2013 with continuing scale expansion, constant innovation and made great impact on the banks of the various types of business. For Example, at the end of 2013, the balance of Yue-Bao reached 180 billion yuan. In 2014, YueBao accelerated the expansion.By the end of 2014, the balance scale has reached a staggering 578.9 billion yuan. It took only one year for HONG fund to become the largest monetary fund. Not only this, other Internet companies and funds have launched a series of balance products, which carve up the deposits of Bank of Beijing as well as other commercial banks. As the same time, the class balance products made an impact on commercial banks’ liabilities end business, the third party- payment has been producing a shock to the payment and settlement business of commercial banks; A number of P2P also divert a lot of assets from the banking business. Equity-based crowd-funding is threatening the banking businesses in a more di-rect way. Faced with these situation, Bank of Beijing and other commercial banks blaze new trails, speed up development and product promotion on the network bank, electronic commerce, mobile payment business, trying to provide more financial products. Against this background, a study of Bank of Beijing’s development strategy to deal with the robust growing Internet-Based Finance , has the important practical significance for the next stage development of the small and medium commercial banks represented by the Bank of Beijing. This paper is divided into six parts: the first part is a specific introduction of the research background, contents and methods. The second part is the summary of the theory. In this part, first, this paper discusses the concept of Internet-Based Finance, including the definition of the Internet-Based Finance, the basic framework, and the main characteristics of the Internet-Based Finance. Second, it introduces the related theory of the development of Internet-Based Finance and its business model. The third part analyses the environment of Bank of Beijing to develop Internet-Based Finance and introduces the general situation of China's Internet-Based Finance, exploring the impact of the Internet-Based Finance on commercial banks’ business including intermediate business, debt business and capital business. The fourth part analyses the current situation of Bank of Beijing to develop Internet-Based Finance. This section introduces the practice of Bank of Beijing on Internet-Based Finance as well as the facing opportunities and challenges. The fifth part is the suggestions and strategies for Bank of Beijing to Develop Internet-Based Finance. In this section, First, it puts forward proposals for the development of Bank of Beijing to deal with the Internet-Based Finance ,second, it introduces Bank of Beijing’s strategy to develop Internet-Based Finance. The sixth part is the final conclusion for this article.
查看全文：	预览  下载(下载需要进行登录)