首页 > 资料专栏 > 论文 > 技研论文 > IT论文 > MBA毕业论文_州市鹿城农商银行互联网金融策略研究PDF

MBA毕业论文_州市鹿城农商银行互联网金融策略研究PDF

资料大小:1574KB(压缩后)
文档格式:PDF
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2021/12/21(发布于浙江)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
摘要 近几年,随着互联网金融的快速发展,金融市场陆续出现网络众筹、第三方 支付、P2P网贷等新颖的金融工具,而互联网金融产品也以各种形式活跃于我们 的日常生活中,其中平时使用最频繁的无疑就是余额宝、支付宝支付、微信支付 等。 互联网金融依靠大数据、物联网、区块链等技术,迅速发展,逐步完善,这 对传统银行业垄断金融模式造成巨大的冲击,分流了银行的客户,影响银行存储、 贷款、理财等业务,给传统银行业带来巨大的挑战,同时也带来了巨大的机遇。 鹿城农商银行作为温州传统金融机构,资金规模、抵御风险能力不如规模上万亿 的国有银行。作为中小银行,其本身就存在这些客观问题,鹿城农商银行关键还 是要对内转型完善,对外开拓进取。 本文首先对国内外互联网金融方面的研究做了梳理,简单介绍互联网金融概 念、特点及业务分类,进而以温州市鹿城农商银行作为研究对象,对其互联网金 融业务发展现状进行全面的分析,找出其在互联网金融发展中存在的问题,分析 原因,而后运用SWOT及PEST等战略分析工具,对温州市鹿城农商银行互联网金 融的外部环境及内部资源进行分析,有针对性的提出调整优化经营战略、创新金 融产品、加强科技创新及互联网人才培养、加强风险管理、建立客户大数据库五 条发展策略。本文研究有助于温州市鹿城农商银行业务和经营模式创新,推进温 州市鹿城农商银行的转型升级,实现传统金融机构与互联网金融有机融合。 关键词:互联网金融;鹿城农商银行;优化策略 Abstract Abstract Inrecentyears,withtherapiddevelopmentofInternetfinance,financialmarket hasemergednewfinancialtoolssuchasInternetcrowdfinancing,thirdpartypayment, P2Pnetloanandsoon.Internetfinancialproductsarealsoactiveinourdailylifein variousforms.Amongthem,themostfrequentuseofnodoubtisbalancetreasure, Alipaypayment,WeChatpaymentandsoon. Internetfinance,relyingonbigdata,Internetofthings,blockchainandother technologies,developsrapidlyandgraduallyimproves,whichhasahugeimpacton thetraditionalbankingmonopolyfinancialmodel,divertsthebank'scustomers, affectsbankingstorage,loan,financialmanagementandotherbusinesses,andbrings greatchallengesandopportunitiestothetraditionalbankingindustry.Luchengrural commercialbank,asatraditionalfinancialinstitutioninWenzhou,isnotaslargeasa trillionstate-ownedbankintermsofcapitalscaleandriskresistanceability.Inthe faceofobjectivedifficulties,Luchengruralcommercialbankshouldgivefullplayto itsadvantagesandgetthemaximumresultswiththeleastinvestment. Inthispaper,firstly,theresearchoninternetfinanceathomeandabroadissorted out,thentheconcept,characteristicsandbusinessclassificationofInternetfinanceare brieflyintroduced,andthentheagriculturalandCommercialBankofLucheng, Wenzhouistakenastheresearchobject,thispapermakesacomprehensiveanalysis ofthecurrentsituationofitsInternetFinancialBusinessDevelopment,findsoutthe existingproblemsinitsInternetfinancialdevelopment,analyzesthereasons,andthen usessomestrategicanalysistoolssuchasPESTandSWOT,thispaperanalyzesthe externalenvironmentandinternalresourcesofInternetfinanceoftheagriculturaland CommercialBankofLucheng,Wenzhou,thispaperputsforwardfivedevelopment strategiesofadjustingandoptimizingmanagementstrategy,innovatingfinancial products,strengtheningscientificandtechnologicalinnovationandInternettalents training,strengtheningriskmanagement,andestablishingcustomerbigdatabase.This researchwillbehelpfultotheinnovationofbusinessandoperationmodeofLucheng AgriculturalandCommercialBankinWenzhou,promotethetransformationand upgradingofLuchengAgriculturalandCommercialBankinWenzhou,andrealizethe organicintegrationoftraditionalfinancialinstitutionsandinternetfinance. Abstract Keywords:InternetFinance;Luchengruralcommercialbank;optimizationstrategy 目录 目录 第1章绪论.................................................................................................................................1 1.1研究背景......................................................................................................................1 1.2研究意义......................................................................................................................2 1.3国内外研究现状........................................................................................................2 1.3.1国内研究现状..............................................................................................2 1.3.2国外研究现状..............................................................................................5 1.4研究内容与方法........................................................................................................6 1.4.1研究内容........................................................................................................6 1.4.2研究方法........................................................................................................8 1.5论文的创新与不足...................................................................................................8 第2章互联网金融概述........................................................................................................10 2.1互联网金融概念.....................................................................................................10 2.2互联网金融理论.....................................................................................................10 2.2.1长尾理论.....................................................................................................10 2.2.2普惠金融理论............................................................................................11 2.2.3金融功能理论............................................................................................11 2.2.4金融脱媒理论............................................................................................11 2.3互联网金融特点......................................................................................................11 2.3.1普惠金融......................................................................................................11 2.3.2效率金融.....................................................................................................12 2.3.3低成本化金融............................................................................................12 2.3.4大数据金融.................................................................................................12 2.4互联网金融分类.....................................................................................................12 2.4.1第三方支付.................................................................................................12 2.4.2P2P网贷.....................................................................................................14 2.4.3众筹...............................................................................................................15 2.4.4区块链..........................................................................................................16 2.4.5互联网理财.................................................................................................17 第3章温州市鹿城农商银行互联网金融发展现状及问题.......................................18 3.1温州市鹿城农商银行概况...................................................................................18 3.1.1总体概况.....................................................................................................18 3.1.2业务状况.....................................................................................................19 目录 3.1.3经营效益.....................................................................................................20 3.2鹿城农商银行互联网金融发展进程及现状...................................................21 3.2.1发展进程.....................................................................................................21 3.2.2发展现状.....................................................................................................22 第4章温州市鹿城农商银行互联网金融发展环境分析............................................29 4.1PEST分析..................................................................................................................29 4.1.1政策因素分析...........................................................................