我国网上银行理财产品创新方案.pdfVIP

我国网上银行理财产品创新方案 摘 要 随着大数据技术的日渐成熟，大资管时代已经来临。互联网金融产品 的飞速发展加快了利率市场化的进程，给传统商业银行的业务开展带来巨 大的冲击。在此情况下，传统银行依靠存贷利差为主要利润的方式已经无 法持续。传统商业银行不能再单纯依靠扩大资产规模去经营，急需着眼于 扩大中间业务收入来增加经营利润。大力发展网上银行成为传统商业银行 的新出路，通过运用大数据和互联网技术降低经营成本，拓宽经营范围， 从重视资产的规模经营逐渐转向重视客户个性化需求的精细化经营，以多 层次多样化的产品和服务占领市场份额。 本文基于现有国内外文献的研究，通过对我国网上银行理财产品的发 展情况、现存问题及外部冲击进行研究探讨。紧扣当今互联网金融发展主 题，以成熟的大数据挖掘技术为前提，借鉴美国嘉信理财公司经营方式成 功转型的发展经验，参考国内“余额宝”等互联网金融理财产品运作模式， 从战略定位、产品设计、营销策略三个角度出发，为我国网上银行的理财 产品设计创新型方案。最后结合当今我国的市场环境与经济发展情况作出 可行性分析，力求为我国网上银行理财产品的发展提供创新方向，以满足 我国广大投资者日益增长的理财需求。 关键词：网上银行；理财产品；大数据；互联网 I INNOVATION PLAN ON FINANCIAL SERVICES OF ONLINE BANK IN OUR COUNTRY ABSTRACT With the big data technology becoming mature, the era that public could easily manage their property by themselves has come. The marketization of interest rate is increased rapidly, as the booming internet financial products has a great effect on the traditional commercial banks which treat spreads as their main profit way. In this case, the traditional commercial banks has a difficulty in continuing the way they used to get profit, and managing themselves by enlarging the scale of their assets as their only one way. Thus, what they urgently need is expanding the income of intermediate businesses to increase their earned profit. In order to achieve the expansion of intermediate businesses, development of internet banking becomes a new way for them. Online bank should use the big data and Internet technology to reduce operating costs, broaden the scope of business, move from the operation that emphasis on asset scale to an operation which pays attention on the personalized demand of customers, and occupy the market share with multi-level and diverse products and services. Researche