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论文编号：	7376
作者编号：	2220131068
上传时间：	2015/6/8 15:23:44
中文题目：	北京银行在互联网时代的经营模式研究
英文题目：	The Study on Operation Mode for Bank of Beijing In the Internet Age
指导老师：	戚安邦
中文关键字：	互联网金融;北京银行;经营模式
英文关键字：	internet finance;Bank of Beijing;operation mode
中文摘要：	刚刚过去的2014年，是互联网在金融领域施展拳脚并取得不小成就的一年。在信息时代，互联网催生了一大批新兴企业，也改变了众多企业的命运，其中，阿里巴巴就是一个成功的典型例子，如今，不放过任何商机的互联网企业都在纷纷努力与金融行业各个业务接轨，这一举动，深深影响了金融行业的方方面面。正如当年网购对各大实体店的冲击一样，互联网金融的出现及其良好的发展势头，势必会给传统银行带来无形的压力。针对这种情况，本文选取了北京银行作为传统银行的代表展开研究，努力寻找其应对互联网金融冲击的方法，希望能有助于传统银行成功转型。 本文采用文献研究、案例研究、管理调研、比较研究等方法着重分析了以第三方支付、P2P、“余额宝”、以及电商信贷等结付方法为支撑的发展迅猛的互联网金融。同时从经营架构、经营环境和经营方式等方面对互联网金融未来的发展趋势进行了分析。从金融中介和核心竞争力两个维度，分析互联网金融的发展对于北京银行各个方面的冲击。之后，使用PEST和SWOT模型对北京银行现行所面临的政治与法律环境、经济、社会以及技术环境进行分析。面对互联网金融发展的冲击，北京银行自身所拥有的优势、劣势、可能的机会和威胁。基于以上分析，本文着重从夯实基础、转变营销策略、更新经营管理理念等方面分析了北京银行面对互联网金融不同业务冲击的应对策略。最后为保障以上几个方面的应对策略的实施，可以从组织、制度、资源层面所采取的措施。希冀通过以上研究为以后北京银行获得新的竞争优势以及未来健康发展提供一些新的发展思路。 本文认为，互联网金融的本质仍然是金融，互联网只是促进北京银行发展的有效工具。北京银行虽然受到互联网金融发展的冲击，但只要深入挖潜自身特色，在克服自己的缺点的同时，认识到自己相较于其他行的优势，积极利用外部机会，并尽量规避相应的威胁。通过采用差异化竞争战略，积极加强产品创新、以客户为导向，不断适应互联网时代的发展，相信其一定能有一个健康、有竞争力的明天！
英文摘要：	The year of 2014 witness the blooming of development of internet finance， internet companies actively embrace the financial industry， which has changed the traditional way of managing money， payment and financing way，its influence throughout the entire financial industry. Commercial bank is attacked too much as the core of the domestic financial system. Lots of scholars have study the internet finance. In this context， this thesis selects bank of Beijing which is under the impact of internet finance as the research object， trying to find some tactics to deal with the impact， and promote the upgrade transformation. This paper analyzes the current development of the Internet financial， at the same time， analyzes the trend of the development of the Internet financial. The methods of literature research， case studies， management research，comparative research are applied. From two dimensions of financial intermediaries and core competitiveness， we can see the impact of the aspects for bank of Beijing. Later， using PEST and SWOT model to analyze bank of Beijing which is facing the current political and legal environment， economic environment， social environment and technical environment. In the face of the impact of the financial development of the Internet， bank of Beijing itself may have strengths， weaknesses， opportunities and threats. Based on the above analysis， the paper analyses the commercial Banks facing to the Internet financial impact of different business strategies. Last，it is discussed about the aspects of organization， system， resource measures to ensure the implementation of the strategy. Through the above study for future Beijing of Bank to obtain new competitive advantage and future healthy development to provide some new ideas of development. The author believes that the nature of the Internet financial is finance， Internet is just a kind of way. Although the great impact from the development of the Internet finance， but as long as bank of Beijing give full play to their strengths， overcome their shortcomings， actively use the external opportunities and avoid the corresponding threats， will be able to have a healthy， competitive tomorrow!
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