摘 要
I
摘要
利用互联网发展金融业务是一种新型的金融模式，是传统类型的金融结合
互联网科技形成的新领域。最近几年的互联网金融发展十分迅速，同时深刻影
响着人们的工作方式和生活方式。互联网秉持的四大精神带来了新形式的经济
类型，传统的金融正在遭受巨大的冲击，尤其是对商业银行的传统经营业务
然而，从某种意义上说互联网金融和商业银行是共生共存的关系，它们相互融
合，互相促进，因此商业银行也在不断调整自己的经营策略，加快转型发展的
步伐
M银行现在主要的经营战略是“大零售”战略。这个战略的基本含义是：“共
享、开放、平等、共赢”。金融零售的开展主要依据个体客户的账户和中小企业
的账户进行金融业务交易，这些交易都实时融入到“大零售”范畴之中。不仅可以
比较全面的反映出金融零售为整个行业做出的贡献，打造层次化、立体化、共
享共赢的金融环境，M银行还以“大零售”为主要发展战略，逐步实现立体式，
多元化，全方位的发展势头
本文针对互联网金融的发展进行了细致的分析，分析其发展的方向、发展
过程中存在的问题以及改进对策，互联网金融对M银行大零售业务发展的影响
以及M银行如何将互联网金融与“大零售”业务相互融合，实现共同发展的应对
策略
本文主要分为七个部分：第一部分，绪论：相关背景及意义，国内外文献
综述等。第二部分，互联网金融理论概述，互联网金融发展现状和研究理论基
础。第三部分，互联网金融背景下M银行大零售业务的发展概况，M银行在互
联网金融背景下大零售业务发展实践，大零售业务的发展方向以及转型措施
第四部分，互联网金融对M银行大零售业务的影响及M银行在互联网金融背景
下发展大零售业务的重要性。第五部分，以中国银行为例，阐述互联网金融背
景下，中国银行促进大零售业务的发展实践。第六部分，M银行在互联网金融
背景下发展大零售业务采取的措施，是对第五部分的总结和经验借鉴并得出本
文结论。第七部分，总结得出本文的主要结论和不足之处，结合互联网金融的
演变历程，阐述如何创新互联网金融模式和如何应对该行业的新形态
关键词：互联网金融；大零售；M银行；影响；对策
ABSTRACT
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ABSTRACT
The development of financial services using the Internet is a new type of
financial model, and the traditional finance combines with the new field formed by
Internet technology. In recent years, the development of Internet finance is very fast,
at the same time, it has a profound impact on people's way of working and lifestyle.
The four spirit of the Internet has brought about a new form of economic type, the
traditional finance is suffering a huge impact, especially in the past business of
commercial banks this piece. However, in a sense the relationship between Internet
financial business development and commercial banks are coexisting, their mutual
integration, mutual promotion, so the commercial banks are adjusting their business
strategy, accelerate the transformation of the pace of development.
M bank is now adopting the big retail strategy. The basic meaning of this
strategy is sharing, opening, equality and win-win. The development of financial
retail should be integrated into the big retail category according to the accounts of
individual customers and the accounts of small and medium-sized enterprises in the
financial business transactions. This can comprehensively reflect the contribution of
the financial retail to the whole industry, and create a layered, three-dimensional,
shared and win-win financial environment. M bank takes big retail as the main
development strategy, and gradually realizes the three-dimensional, diversified,
all-round development momentum.
This paper makes a detailed analysis of the Internet development finance,
analyzes the direction of its development and the situation, and the corresponding
solutions. The trend of Internet finance affects the retail business of M bank. How to
integrate the Internet financial trend and big retail business of M bank, and how to
realize the common development strategy.
This paper is divided into seven parts: the first part, the introduction: the relevant
background and significance, domestic and foreign literature review. The second part,
the summary of Internet financial theory, the status of Internet financial development
and theoretical basis of research. In the third part, the development of M big retail
business in the background of Internet finance, M Bank in the context of the Internet
ABSTRACT
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financial business development practice, to get the big retail business development
direction and transformation measures. The fourth part, the impact of Internet finance
on M Bank's large retail business, revolves around the bank's three major businesses:
assets, liabilities and intermediate business, and expounds the importance of M
Bank's development of large retail business in the context of Internet finance. In the
fifth part, taking the Bank of China as an example, this paper expounds the
development of the big retail business by changing the mode of operation, making the
Internet financial platform and creating the Internet financial team under the
background of Internet finance. In the sixth part, the measures taken by M Bank to
develop big retail business in the background of Internet finance are the summary and
experience of Chapter 5 and draw the conclusion of this paper. Chapter 7 summarizes
the main conclusions and shortcomings of this paper. Based on the current situation
of Internet financial services both at home and abroad, combined with the evolution
of Internet finance, how to innovate the Internet financial model and how to deal with
the new form.
Key words: Internet finance; big retail; M bank; influence; countermeasure。