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论文编号：	9710
作者编号：	2120152813
上传时间：	2017/12/8 23:42:05
中文题目：	GS银行互联网金融问题研究
英文题目：	Study on the Internet Finance Problems of GS Bank of China
指导老师：	李姝
中文关键字：	互联网金融；GS银行；金融平台
英文关键字：	Internet Finance；GS Bank of China；Finance Platform
中文摘要：	随着互联网在全球范围内的普及和广泛运用，互联网金融也伴随着互联网技术的不断提升而迅速发展起来，第三方支付、网络小额借贷、P2P网络融资、众筹融资、互联网理财产品等创新业务在我国蓬勃发展。互联网金融以其高效的平台、低廉的边界成本、良好的用户体验对金融机构尤其是银行业产生冲击。未来，随着互联网金融不断发展壮大，将会与我国商业银行展开更加激烈的竞争。因此，了解互联网金融，并分析互联网金融如何对我国商业银行产生影响十分重要。尤其是作为金融业之首的银行业，如何积极应对这些冲击，借助互联网金融之力谋求自身改革与发展具有重要的理论意义和现实意义。 在这一背景下，本文纵观国内外研究学者有关互联网金融方面的文献材料并展开梳理与归纳，具体阐述了互联网金融这一概念的内涵、特点、主要模式、发展历程和现状；同时，分析了商业银行所处的宏观经济环境，以及整个银行业增长规模降低、不良贷款率上升、净利润增速减缓等不利境况，为之后阐释互联网金融为何对我国商业银行的典型代表----GS银行有如此之大的影响埋下伏笔。辩证的看，互联网金融对GS银行的影响也可以说是“鲶鱼效应”，在某种程度上推进了GS银行进一步革新的步伐。GS银行站在历史的风口浪尖，积极拥抱互联网，发展互联网金融是实现其可持续发展的必然选择。之后，文章以GS银行发展互联网金融的实例展开探究，阐述了GS银行发展互联网金融的运营现状，同时对GS银行发展互联网金融所存在的问题进行讨论。最后，针对其问题提出了GS银行互联网金融进一步发展的措施，主要包括实现专业化运营、发展互联金融联盟、构建平台经济、建立金融社交圈。
英文摘要：	With the popularization of the Internet across the world, the Internet finance, including the third party payment, online driblet credit and debit, P2P online financing, crowd funding, online financing product and other innovative businesses, is flourishing in China. The internet finance greatly shocks all financial organizations, especially the banking industry, because of its high efficiency, low marginal cost and good experience. We believe that the growing Internet finance industry will compete with Chinese commercial banks more and more fiercely in the future. Therefore, it is significant and necessary to learn the Internet finance and analyze its influence on Chinese commercial banks. As the most important part of financial industry, Chinese commercial banks should overcome difficulties and reform themselves through the Internet finance. First of all, the author gives the definition, characteristics, major modes, development history and current state of the Internet finance. And then, the paper specifically analyzes the macroeconomic environment faced by Chinese commercial banks and their existing disadvantages, including decreased growth scale, increased non-performing loan ratio, and step-down retained profits increase and so on, so as to carry a foreshadowing of later illustration—why the Internet finance have such a strong effect on the GS Bank of China? In fact, from the point of view of dialectic, the effect of the Internet finance on commercial banks is a “catfish effect”, which speeds up the reform of the GS. Thus, it is an inevitable choice for the GS Bank of China to develop the Internet finance in order to realize its sustainable development. Secondly, this thesis analyzes the case of the GS Bank of China, as well as proposes the problems of the development for the GS. Finally, this paper puts forward the countermeasures of the GS to deal with the problems and weaknesses, including professional operation, online financial federation development, platform economics establishment and financial circle construction.
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