镇江农信社互联网金融发展的问题及对策研究.docxVIP

PAGE PAGE 7 镇江农信社互联网金融发展的问题及对策研究 摘要:以电子商务兴起为代表，我国的互联网+金融模式逐渐在市场中形成，并不断积累了大量的用户涌入到金融阵地中。对于一些大型银行来说，其有足够的资本和技术进行转型升级，而对于一些地方性的商业银行或者农信社来说，则必须尽快适应互联网金融的发展节奏，以便更好地发展互联网金融。本文就基于此，以镇江农信社为例，从网上银行业务的开展、特色银行的发展情况、“村村通”工程实施以及新型互联网金融平台的崛起等方面，探究其目前互联网金融发展的现状，然后找出其中存在的问题，比如网上银行业务的服务范围有限，特色银行卡的创新不足，技术支撑力不够等，最后根据自己的经验和查找相关文献，提出了镇江农信社更好地发展花联网金融的对策。 关键词：农信社；互联网金融 Research on Problems and Countermeasures of Internet Finance Development of Zhenjiang Rural Credit Cooperative Abstract: Represented by the rise of e-commerce, Chinas Internet + financial model has gradually formed in the market, and a large number of users have continuously accumulated into the financial position. For some large banks, they have sufficient capital and technology to transform and upgrade, while for some local commercial banks or rural credit cooperatives, they must adapt to the development pace of Internet finance as soon as possible in order to better develop Internet finance. Based on this, this article takes Zhenjiang Rural Credit Cooperative as an example to explore the current development of Internet finance in terms of the development of online banking business, the development of characteristic banks, the implementation of the Village Village project and the rise of a new Internet financial platform The status quo, and then find out the problems,such as the limited scope of online banking services, insufficient innovation of special bank cards, and insufficient technical support, etc. Finally, based on their own experience and search for relevant literature, it is proposed that Zhenjiang Rural Credit Cooperative is better Countermeasures for the development of online finance. Keywords: Rural Credit Cooperatives; Internet Finance 目 录 摘 要 1 1 绪论 3 1.1研究目的和意义 3 1.2国内外研究现状 3 1.2.1国外研究现状 3 1.2.2国内研究现状 4 1.3研究对象的界定 4 1.3.1互联网金融的概念 4 1.3.2互联网金融的分类 4 2 镇江农信社互联网金融的发展现状 4 2.1镇江市农信社互联网金融的发展概况 4 2.2农信社互联网金融业务的发展情况 5 2.2.1网上银行的业务开展模式逐渐增多 5 2.2.2特色银行卡的发展迅猛 6 2.2.3“村村通”工程实施情