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MBA毕业论文_联网背景下商业银行综合竞争能力研究-以A银行为例PDF

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随着互联网技术和信息技术的不断发展,互联网金融的影响力也越来越大,商业银 行作为国内金融系统的核心和国民经济的生命线,受到互联网金融的冲击十分巨大,在 这样的背景下,商业银行必须要提高自身和行业的整体竞争能力,来寻求自身稳健发展 和优势。 本文在互联网金融的定义和分类和金融中介理论的基础上,通过对互联网金融对商 业银行产生的技术和模式上的影响进行分析,得出技术影响主要包括基于云计算的大数 据和基于云计算UI产生的影响、模式影响主要是以组织平台对商业银行产生的影响两 个方面的分析结果。并选择具有代表性的作为案例进行分析,通过对A银行的发展历程、 综合竞争力评价,分析出互联网金融背景下A银行在资产业务、负债业务、中间业务和 信息资源方面遇到的主要挑战。随后,从管理学综合竞争力理论出发实证分析,通过利 用德尔菲法构建综合竞争力评价模型,将A银行与其他金融机构不同的评价指标数据数 据进行比对,解释商业银行的综合竞争能力的主要内容,从持续发展自身现有核心竞争 优势以及明确找出短板积极弥补竞争劣势两个方面,提出商业银行提升自身综合竞争能 力的应对策略。 实证分析结果表明,在驱动层面A银行分支机构数这一指标上排名第一,说明其组 织结构与同业其他银行相比机构设置更加合理,业务涵盖更加齐全,境内外分支机构数 量较多,具备一定的竞争力;在支撑层面资本充足率等指标可以得出A银行在资本管理 方面的竞争优势也较大;在表现层面收益回报等指标中A银行的排名也较为靠前,这说 明商业银行受益于完善的管理和大体量的经营模式,其业务覆盖面广同样是商业银行的 竞争性优势。 关键词:互联网金融;商业银行;综合竞争能力;金融中介理论 II Abstract WiththecontinuousdevelopmentofInternettechnologyandinformationtechnology,the influenceofInternetfinanceisincreasing.Asthecoreofdomesticfinancialsystemandthe lifelineofnationaleconomy,commercialbanksaregreatlyimpactedbyInternetfinance.Inthis context,commercialbanksmustimprovetheiroverallcompetitivenesstoseektheirown stabledevelopmentandadvantages. OnthebasisofthedefinitionandclassificationofInternetfinanceandthetheoryof financialintermediation,thispaperanalyzestheinfluenceofInternetfinanceonthe technologyandmodeofcommercialbanks.Itisconcludedthatthetechnicalimpactmainly includestheimpactofbigdatabasedoncloudcomputingandUIbasedoncloudcomputing. Themodelimpactismainlybasedontheanalysisresultsoftwoaspects:theinfluenceof organizationplatformoncommercialbanks.AndselecttherepresentativecommercialbankA asthecaseanalysis,throughthecommercialbankAdevelopmentcourse,thecommercial bankAcorecompetitivenessanalysis,undertheInternetfinancialbackgroundcommercial bankAencounterstheassetbusiness,thedebtbusiness,themiddlebusinessincome.Major challengesinbusinessandinformationresources.Then,basedonthetheoryofcore competenceofmanagement,thispaperusesDelphimethodtoconstructacomprehensive competitivenessevaluationmodelofcommercialbanks.Thispapercomparesthedifferent evaluationindexdatabetweenAcommercialbankandotherfinancialinstitutions,analyzes thecomprehensivecompetitivenessofcommercialbanks,andputsforwardthe countermeasuresforcommercialbankstoimprovetheircomprehensiveability.Mainly includeactivelydevelopthecorecompetitiveadvantage,makeupforthecompetitive disadvantageandsoon. TheresultsofempiricalanalysisshowthatcommercialbankAranksfirstinthenumber ofbranches,indicatingthatitsorganizationalstructureismorereasonablethanthatofother banksintheindustry,itsbusinesscoverageismorecomplete,andtherearemorebranches bothathomeandabroad.Havecertaincompetitiveness;Severalcapitaladequacyindexesin III thesupportinglevelcanseethecompetitiveadvantageofcommercialbankAintheaspectof capitalmanagement.Attheperformancelevel,commercialbankAisalsorankedfirst,which showsthatcommercialbankbenefitsfromsoundmanagementandlargebusinessmodel,and itsbusinesscoverageisrelativelywide. Keywords:Internetfinance;commercialbanks;comprehensivecompetitiveness; financialintermediationtheory IV 目录 第一章绪论......................................................................................................1 1.1研究背景.............................................................................................................................1 1.2研究意义.............................................................................................................................1 1.3研究内容.............................................................................................................................2 1.4研究方法.............................................................................................................................2 1.5文献综述.............................................................................................................................3 1.5.1国外文献综述.........................................................................................................3 1.5.2国内文献综述.........................................................................................................3 1.6论文框架.............................................................................................................................5 第二章理论概述..............................................................................................6 2.1互联网金融的定义和分类...............................................................................................6 2.1.1互联网金融的定义.................................................................................................6 2.1.2互联网金融模式的分类........................................................................................7 2.2金融中介理论.....................................................................................................................8 2.2.1传统金融中介理论.................................................................................................8 2.2.2现代金融中介理论.................................................................................................9 2.2.3银行金融中介特征.................................................................................................9 2.3商业银行竞争力理论......................................................................................................10 2.3.1早期商业银行竞争力理论..................................................................................10 2.3.2现代商业银行竞争力理论..................................................................................10 第三章互联网金融对商业银行竞争力的影响..............................................12 3.1互联网金融背景下商业银行技术受到的影响............................................................12 3.1.1基于云计算的大数据..........................................................................................12 3.1.2基于云计算的UI.................................................................................................13 3.2互联网金融背景下商业银行经营模式受到的影响...................................................14 3.3互联网金融背景下商业银行综合竞争能力受到的影响...........................................15 3.3.1互联网金融对资产业务的影响.........................................................................15 3.3.2互联网理财对负债业务的影响.........................................................................16 3.3.3互联网金融对中间业务带来的影响.................................................................17 V 3.3.4互联网金融对信息资源的影响.........................................................................18 第四章A银行的竞争力分析.........................................................................20 4.1A银行的发展历程和现状分析.....................................................................................20 4.1.1A银行的发展历程...............................................................................................20 4.1.2A银行的现状分析...............................................................................................20 4.2综合竞争力分析..............................................................................................................23 4.2.1驱动层面...............................................................................................................24 4.2.2支撑层面........................................................