青島農(nóng)商銀行應對互聯(lián)網(wǎng)金融影響的案例分析

1、分類號： 分類號：F83 密級： 密級：UDC：336 學校代碼： 學校代碼：11065碩 士 專 業(yè) 學 位 論 文 碩 士 專 業(yè) 學 位 論 文青島農(nóng)商銀行應對互聯(lián)網(wǎng)金融影響的案例分析 青島農(nóng)商銀行應對互聯(lián)網(wǎng)金融影響的案例分析李維唐指 導 教 師 劉喜華 教授學 位 類 別 金融碩士專 業(yè) 領(lǐng) 域 商業(yè)銀行管理答 辯 日 期 2017 年 6 月 7 日AbstractWith the rapid development of b

2、ig-data, cloud computing and emerging technologies,the internet finance model, mainly represented by P2P and Internet Financial managementand the third-party payment, has an outstanding performance like micro-finance, pe

3、rsonalfinance and other financial services, which bases on its low cost, high efficiency and widerange of coverage. Consequently, it exerts huge influence upon the asset side, the liabilityside and the intermediate busin

4、ess of China’s commercial banks. Compared with largecommercial banks, owing to local commercial banks and the limited range of services, theeffects of Internet finance are increasingly greater targeting on private invest

5、ors. Therefore,it is of practical importance to research how local commercial banks take effective measuresto cope with the financial impact of the internet and develop under its great influence. It hasimportant practica

6、l significance.Obtain data by taking a field research of Qingdao Rural Commercial Bank,interviewing with Qingdao Rural Commercial Bank employees, analyzing business data andanalyzing work report, taking double case analy

7、sis to study the two measures taken byQingdao Rural Bank. First, defines the concept of Internet finance and illustrates thedevelopment of the three main models of Internet finance in China, which focus on theeffects of

8、Internet finance on assets, debts intermediary business of commercial banks. In thecase analysis section, first case mainly introduces the application model of internetmicro-cloud payment system in convenience store, bus

9、iness and campus, analyzing thebusiness data and operating results of the micro-cloud payment system which proves that themicro-cloud payment system possesses quantities of advantages, such as service modelinnovation, ex

10、panding payment channels. In another case, describes the case study ofmicro-credit center and expatiates on the development of business process of micro-loanusing IPC micro-loan technology. Through analyzing its case stu

11、dy, it is ensured that thereare lots of advantages in lending process, risk control and repayment way.Based on the above case analysis, this paper offers suggestions that how other localcommercial banks should deal with

12、the Internet finance impact in three ways. Researchbelieves that it should take the initiative to use Internet technology, integrate online andoffline bank resources, strengthen the cooperation with local enterprises and