工行应对互联网金融挑战的对策研究

　　中文摘要

　　近年来,互联网企业依托以移动支付、大数据、云计算、社交网络和搜索引擎等为代表的新一代互联网技术,将服务逐渐渗透到传统金融领域,第三方支付、电商小贷、P2P、余额宝、微信银行等互联网金融模式应运而生.互联网金融的快速发展使得商业银行不再是客户办理存、贷、汇业务的唯一渠道,将对银行的客户营销、交易服务、业务发展、内部管理模式等的变革形成倒逼效应,同时金融与互联网的加速融合也将催生大量新型金融服务需求.

　　在此背景下,本文梳理总结了互联网金融的概念、特点及其发展的理论基础,详细介绍了第三方支付、电商小贷、P2P、众筹融资和"余额宝"这五种互联网金融模式发展现状及未来发展趋势,并在此基础上,深入分析了互联网金融在银行存款、间接融资、交易支付、经营模式和金融脱媒等方面对商业银行产生的影响,最后在利用SWOT方法分析互联网金融竞争环境下商业银行优势和劣势、机遇和挑战的基础上,提出了工商银行应对互联网金融挑战的策略,希望为工商银行在互联网时代下未来的发展及形成新的竞争优势提供一些思路.

　　本文包含五个章节:

　　第一章,导论.包括研究背景和意义、相关文献综述、研究内容、方法和结构安排;

　　第二章,互联网金融概述.包括了互联网金融的概念、特征、及其发展的理论基础,互联网金融的模式、发展现状以及未来发展趋势;

　　第三章,互联网金融对商业银行的影响.主要分析了互联网金融在银行存款、间接融资、交易支付、经营模式和金融脱媒等方面对商业银行产生的影响;

　　第四章,商业银行应对互联网金融的SWOT分析.主要梳理分析了互联网金融时代下商业银行具有的优劣和劣势,所面临的机遇和挑战,从而为商业银行相关应对策略的制定提供科学依据;

　　第五章,工商银行应对互联网金融策略.包括工商银行在互联网金融领域已有的实践、未来的发展定位和发展思路.

　　关键词:互联网金融;工商银行;策略

　　Abstract

　　In recent years, relying on a new generation of Internet technology, such asmobile payment, big data, cloud computing,social networks and search engine,Internet enterprises gradually infiltrate their services into the traditional financialfield, The internet financial models,such as the third-party payment platform, smallloan based on e-business network platform, Peer to Peer, Yu E Bao (a money-marketfund promoted by Alipay),Wechat bank are emerging. The rapid development ofInternet finance, leading to that commercial banks is no longer the only channel forcustomers to deposit, loan, exchange money, forcing commercial banks to acceleratethe pace of reform in the aspects of customer marketing, trading services, businessdevelopment, internal management mode, at the same time the acceleratingintegration of Internet and Finance will also create a lot of new financial servicedemand.

　　In this background, this paper summarizes the concepts, characteristics andtheoretical basis of the Internet finance, introduces the current development situationand future development trend of five kinds of Internet financial mode which are thethird-party payment platform,small loan based on e-business network platform, Peerto Peer, Crowdfunding and Yu E Bao (a money-market fund promoted by Alipay).

　　Based on above summary, this paper will deeply analyze the impacts of Internetfinance on commercial banks in the aspect of deposit of bank, indirect financing,payment of transaction, business model and financial disintermediation. At last,based on the analysis that using the SWOT method to analyze the advantages anddisadvantages, the opportunities and challenges of commercial banks in the Internetfinancial competition environment, this paper will put forward some strategies forICBC to deal with the Internet financial challenges,hoping to provide some newideas for ICBC to form new competitive advantage under the age of the Internet.

　　There are five chapters in this paper. Chapter one is the introduction, whichincludes the background and significance of this research, the review of relativeliterature, the main research contents and methods, the structural arrangement of thepaper. Chapter two is an overview of the Internet finance, which contains the relativeconcepts, characteristic and theoretical basis of its development, the Internetfinancial models,the current development situation and future development trend.

　　Chapter three is the impacts of Internet finance on commercial banks, mainlyanalyzing the impacts on commercial banks in the aspect of deposit of bank, indirectfinancing, payment of transaction, business model and financial disintermediation.

　　Chapter four is the SWOT analysis for commercial banks to deal with Internetfinance, mainly analyzing the advantages and disadvantages, the opportunities andchallenges of commercial batiks in the Internet financial competition environment,which provide scientific basis for commercial Banks to establish related copingstrategies. Chapter five is the strategies of ICBC to deal with Internet finance,which includes the existing practical measures of ICBC in the field of Internetfinance, the future development orientation and ideas.

　　Key words: The Internet finance; ICBC (Industrial and commercial bank ofChina); Strategy.
 

　　目录

　　第一章 引言

　　第一节 研究背景及意义

　　第二节 相关文献综述

　　第三节 研究内容、思路及结构安排

　　第二章 互联网金融概述

　　第一节 互联网金融内涵

　　一、互联网金融的概念

　　二、互联网金融的特征

　　第二节 互联网金融发展的理论基础

　　一、平台经济学理论

　　二、现代金融中介理论

　　第三节 我国互联网金融发展状况及发展趋势

　　一、第三方支付模式

　　二、电商信贷模式

　　三、P2P借贷模式

　　四、众筹融资模式

　　五、"余额宝"模式

　　第三章 互联网金融对商业银行的影响

　　一、抢夺商业银行存款理财份额

　　二、挑战商业银行间接融资功能

　　三、弱化商业银行的支付功能

　　四、改变商业银行传统经营模式

　　五、加速金融脱媒

　　第四章 商业银行应对互联网金融的SWOT分析

　　一、商业银行所具有的优势(Strength)

　　二、商业银行所处于的劣势(Weakness)

　　三、商业银行面临的机遇(Opportunity)

　　四、商业银行面临的威胁(Threat)

　　第五章 工商银行应对互联网金融策略

　　第一节在互联网金融上的实践

　　第二节在互联网金融时代的定位

　　一、要积极迎合市场需要,尽快契合互联网的核心发展精神

　　二、要加快改变经营方式,寻找新型盈利模式

　　三、要处理好与第三方支付机构之间的竞合关系

　　四、要有效调整业务格局,平衡整体业务发展水平

　　五、要认清市场形势,准确掌控未来发展格局

　　第三节 在互联网金融时代的发展举措

　　一、打造电商平台,建立工行互联网金融生态圈

　　二、调整资源配置,构建电子银行价值体系

　　三、坚持技术创新,创造新型互联网金融产品

    四、立足团队转型,建立电子银行专业人才队伍

　　五、提高风控水平,适应互联网开放式环境

　　六、复制客户模型,创新网络消费时代的金融服务体系

　　七、提升客户质量,有效增强市场竞争力

　　八、关注重点领域,积极寻找互联网企业合作伙伴

　　参考文献