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论文编号：	8108
作者编号：	2220140580
上传时间：	2016/5/18 16:05:41
中文题目：	股份制商业银行互联网金融发展战略研究
英文题目：	Research on Internet Finance Development Strategy of Joint- stock Commercial Banks：A Case Study of China CITIC
指导老师：	赵伟
中文关键字：	股份制商业银行；互联网金融；战略；中信银行
英文关键字：	Joint-stock commercial banks; Internet finance; Strategy; CITIC
中文摘要：	摘 要近年来，随着互联网技术的迅速发展，互联网金融受到广泛的关注，在金融领域创造了可观的业绩。互联网金融逐渐填补了传统金融的空白，蚕食了传统金融市场，冲击了传统金融业的发展。在互联网金融服务环境下，股份制商业必须突破传统模式，积极应对互联网金融的冲击，并借助互联网金融发展的良好机遇，不断提升自身的竞争力。本文在对国内外现状进行梳理的基础上，以战略管理理论、博弈论等理论为研究基础，运用文献研究法、案例分析法、模型分析法等工具，对我国股份制商业银行发展互联网金融的战略进行了研究。通过研究获得了以下研究成果和结论: 首先，通过统计数据资料、PEST战略环境分析法研究我国股份制商业银行互联网金融发展现状和互联网金融的主要风险，利用SWOT分析法全面系统分析我国股份制商业银行发展互联网金融的竞争优势、劣势、机会和威胁等战略环境，并对我国股份制商业银行发展互联网金融的关键要素进行了分析，得出了我国股份制商业银行不同情形下的可选择的增长型、进攻型、扭转型以及防御型等四种战略，并分析了不同战略选择下的应对策略。其次，利用博弈论理论对我国股份制商业银行与互联网企业的竞合关系进行分析，分析了我国股份制商业银行与互联网企业的竞争和合作关系，通过对比得出了股份制商业银行与互联网企业在合作状态下比竞争状态能获得更高的经济效益，更能够实现共赢，达到利益最优。第三，本文结合股份制商业银行互联网金融现状分析和战略机制分析，从三个方面提出了互联网金融背景下我国股份制商业银行的应对策略：一是借鉴国外互联网金融模式成功经验，二是从自身出发制定业务、产品、市场等战略以及加强内部管理与保障措施，三是构建股份制商业银行与互联网企业的竞合策略。最后，本文以中信银行互联网金融战略案例为例，对本文的研究成果进行了应用和论证，以期为我国股份制商业银行在探索互联网金融进程提供一定的参考和借鉴。
英文摘要：	Abstract In recent years, the quick development of Internet technology means that the Internet finance has been widely concerned and has created considerable performance in the financial field. The Internet finance gradually filled the financial gaps, eroded the financial markets of the traditional finance. In the Internet financial services environment, the joint-stock commercial banks must break the traditional model, actively respond to the impact of Internet finance so as to constantly enhance their competitiveness by the good opportunities of Internet finance. Based on consulting and summarizing lots of references at home and abroad, and used the strategic management theory, game theory and other theories, this thesis adopted literature research, case analysis, model analysis tools to study the Internet fanance development strategy of joint- stock commercial banks. Through the research, this thesis gains the findings and conclusions as follows: First, this thesis analysed the current situation and main risks of the joint-stock commercial banks through the methods such as data statistic, PEST strategic environmental analysis. Using the tool of SWOT strategic environmental analysis, this thesis analysed comprehensively and systematicly the competitive strength, weakness, opportunity and threat. By the description of the key elements of the joint-stock commercial banks, obtained four strategic choice of joint-stock commercial banks under the different circumstances and analysed the coping strategies under different strategic choice. Second, using the game theory, this thesis analysed the relationship of the joint-stock commercial banks and Internet companies under the different situation of competition game and cooperative game. By the model comparison,we found that the joint-stock commercial banks and Internet companies can obtain higher economic benefits under the cooperative game than the competition game, so as to achieve a win-win situation and the best benefit. Third, Combining with the financial status and strategic mechanism analysis, this thesis put forward three kinds of countermeasures of the joint-stock commercial banks under the Internet financial background as follows: one is the reference of foreign Internet banking model successful experience;the second is to develop the business, products, and market strategies and to strengthen internal management and protection measures;the three is to construct the competitive and cooperative strategy between the joint-stock commercial banks and Internet companies. Finally, to CITIC bank Internet finance strategy case as an example, application and demonstration of the research results in this thesis, in order to provide some reference in the exploration process of Internet finance for the joint-stock commercial banks.
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