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论文编号：	9554
作者编号：	2120152791
上传时间：	2017/12/7 11:17:32
中文题目：	互联网金融冲击下银行网点转型对策研究——以中国银行S网点为例
英文题目：	Research on the Transformation of Bank Outlets under the Impact of Internet Finance --In the Case of BOC S Branch
指导老师：	林润辉
中文关键字：	互联网金融；商业银行；网点转型
英文关键字：	Internet finance ；Commercial bank ；Network transformation
中文摘要：	近年来，我国互联网金融蓬勃发展，创新产品层出不穷，第三方支付、网络借贷、股权众筹融资、互联网基金、互联网保险、互联网信托和互联网消费金融都已经融入日常生活，给消费者带来了方便快捷的服务和性价比高的产品。商业银行也在大力发展电子银行，希望通过电子银行的快速发展稳定自身的客户群体。正是在互联网金融冲击的背景下，银行网点的部分功能被弱化，客户结构、收入来源、运营模式都产生了较大影响。在竞争不断加剧、息差不断收窄、科技不断进步的环境中，银行网点需要迫切转型发展，在理念、功能、运营、服务、考核方面尽早改变，借鉴国内外商业银行成功转型的案例，提升客户体验、提高自身效益，以顺应社会的要求和时代的发展。 本文共分为六章，第一章为绪论，通过介绍国内互联网金融的快速发展引出其对银行网点的冲击。第二章首先介绍互联网金融的概念、特点和业务模式，再通过比较分析美国和中国在互联网金融方面的发展历程、参与主体和监管政策可以更为深入的理解互联网金融的发展脉络，预测其发展趋势。第三章分析银行网点面临的外部环境，互联网金融对银行网点的影响，互联网金融的优势和劣势，提出银行网点尽快转型的必要性。第四章以中国银行S 网点发展现状进行分析，通过外部客户感受和内部员工感受中提出目前存在的问题，指出网点转型的方向。第五章介绍国外内网点转型的成功案例，提出了网点转型的应对策略即网点定位、策略制定、渠道建设、人力资源、流程优化和网点创新。第六章为结论与展望，得出结论，并对互联网金融冲击下银行网点转型进行展望。
英文摘要：	China's Internet finance is booming within recent years. Various innovative products are emerging. The third-party payment, Internet borrow-lending, equity financing, Internet funds, Internet insurance, Internet trust and Internet consumer finance have been integrated into people’s daily life, bringing convenient and fast service and cost-effective products to consumers. Commercial banks are also focusing on developing e-banking business, hoping to stabilize their customer base through the rapid development of electronic banking. Under the impact of Internet finance, the function of commercial banks’ network is largely weakened. Its customer structure, revenue sources, business structure have suffered a greater impact. In the environment of increasing competition, shrink of interest rate and the continuous progress of science and technology, the bank network needs an urgent transformation and development. It must change in the concept, function, operation, service and examination as soon as possible, and takes lessons from successful transformation cases of domestic and foreign commercial banks in the aspect of customer experience, efficiency improvement, to meet the requirements of modern society development. This paper is divided into six chapters. The first chapter is the introduction, by briefing the rapid development of domestic Internet finance, introduces its impact on the bank network. The second chapter elaborates the concept, characteristics and business models of the Internet finance. Through the comparative analysis of internet finance development process, the regulatory policy and the market participants in the United States and China, we get a good understanding of the Internet finance development, basing on which can we predict its development trend. The third chapter analyzes the external environment faced by commercial bank network, the influence of Internet finance on the bank network, the cons and pros of Internet finance, and the necessity of bank network urgent transformation. The fourth chapter analyzes the current situation of Bank of China S branch, and points out the existing problems by comments of both external customers and the internal staff feelings. The fifth chapter introduces the successful cases of foreign network transformation, and puts forward the countermeasures to network transformation. Specifically speaking, it will be the concept change, the accurate construction, the channel construction, the human disposition, the process integration and the service innovation. The sixth chapter draws the conclusion, and carries on the prospect to the bank net transformation under the internet financial shock.
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