互联网金融背景下包商银行经营战略调整研究-工商管理专业论文.docxVIP

摘要 摘 要 近年来，随着信息技术的发展，国内互联网金融业务迅猛发展，对传统金 融业的经营模式、特别是对中小银行提出了前所未有挑战。互联网金融以现代 信息平台为依托，以互联网支付、网上理财、众筹融资、P2P 网贷、互联网保险、 电商小贷、投资融资等为主要内容，以“开放、平等、协作、分享”为新型业 态精神，以“透明度高、便利快捷、融合协作、普及性强、成本更低、服务多 样”为主要特征，改变了长期延续下来的交易支付、资金往来、资金融通等传 统的金融经营方式，将社会融资从直接融资、间接融资扩大到了互联网融资， 也促进了互联网技术与金融行业的相互融合。在金融领域产生了“鲶鱼”效应， 形成了金融业改革创新、转型升级的倒逼机制，给传统银行经营带来了巨大冲 击。 本文基于互联网金融的迅猛发展的背景，在梳理互联网金融基本内涵、基 本理论与研究成果，发展脉络、及其经营方式和运作特点的基础上，着重分析 互联网金融对银行业、特别是对包商银行的影响；结合包商银行发展基础、经 营现状，分析其发展环境和所面临的挑战，深入探讨包商银行经营战略调整的 基本方向和发展思路，研究改革路径、经营对策，以及产品服务创新和经营模 式的完善等问题，为包商银行发展提出有益的对策和建议。 关键词：互联网金融 经营战略 包商银行 ABSTRACT ABSTRACT Recent years, with the development of information technology, domestic Internet financial business has developed rapidly, put forward a challenge to the traditional financial industry business model, especially to the small and medium-sized banks. The Internet Finance , established on modern information platform, in the form of Internet payment, online banking, the financing, P2P net loan, Internet insurance, Electronic commerce lending, Investment and financing, with the spirit of “open, equality, cooperation, share”, With high transparency, convenient, fusion collaboration, strong popularization, lower cost, service diversity as the main characteristic, has changed the payment transactions, capital transactions, financing and other traditional management mode, expanded the social financing from the direct financing and indirect financing to the Internet financing, also promoted the mutual integration of Internet technology and the financial industry. The internet finance caused catfish effect in the financial sector, leaded to the reform, transformation and upgrading of financial sector , brought the huge impact to the traditional banking business. This paper based on the rapid development of the Internet finance, on the basis of the Internet finance connotation, basic theories and research results, the development venation, and its mode of operation and operation charact