互联网金融时代商业银行的发展模式研究+SWOT分析
时间:2018-12-20 20:17 来源:毕业论文 作者:毕业论文 点击:次
| 摘要：随着金融创新浪潮的不断推进，传统的金融模式早已不能满足人们的需要。在此背景下，以各种计算机技术（云计算、搜索引擎、社交网络等）为载体，互联网金融孕育而生。互联网金融的迅猛发展一方面冲击了传统商业银行在金融领域的地位，但是另一方面也给商业银行未来的发展带来了机遇。31716 商业银行不应只将目光放在当前的营业效绩上，而是应该着眼未来，借鉴互联网企业的运营模式进行改革创新。本文以建设银行为例，针对建行近几年的财务数据变化，采取数据分析法，了解建设银行目前的规模。同时，利用SWOT分析法,阐述建设银行自身的优势、劣势、机遇和挑战，以此为基础，分析互联网企业对建行的影响。最后结合实际，从建设银行内部思想观念的转变、互联网技术的开发到对外优化服务质量、提高客户忠诚度等，由内而外，综合考虑，最终做出适合建设银行未来发展的策略选择。 毕业论文关键词：互联网金融 发展模式 创新 The Research on The Development Mode of the Commercial Bank In The Internet Financial Times ---- Use The Construction Bank as an example Abstract: With the tide of the development of financial innovation, the traditional financial model has been unable to meet the needs of people. On this background, using a variety of network technology (Cloud computing, search engines, social network and so on) as the carrier, the Internet Finance emerges. On the one hand, the rapid development of the Internet Financial impacts on the status of traditional commercial banks in the financial sector, but on the other hand it also brings opportunities to the development of commercial banks in the future. Commercial banks should not only focus on the current business performance, but should also focus on the future, learning from the Internet business operation mode to reform and innovate. In this paper, using The Construction Bank as an example, according to the CCB financial data changes in recent years , taking the data analysis, understand the current scale of The Construction Bank. At the same time, using the SWOT analysis method, describes the advantages, weaknesses, opportunities and challenges of The Construction Bank, which fully reflect the impact of the Internet enterprises on The Construction Bank. Finally, from the transformation of the internal ideas of The Construction Bank and the development of Internet technology to optimizing service quality and improving customer loyalty, make the final choice for the future development of the strategy for the Construction Bank. Key Words：Internet finance, Development mode, Innovation 目录 目录 - 1 - 一、 绪论 - 2 - （一）研究背景和研究意义 - 2 - （二）文献综述 - 3 - （三）研究框架与方法 - 4 - 二、 互联网金融的相关理论 - 5 - （一）互联网金融的内涵 - 5 - （二）互联网金融的发展模式 - 5 - 三、建设银行的发展现状 - 8 - （一）建设银行的资产规模 - 8 - （二）电子银行的发展规模 - 9 - 四、互联网金融背景下建设银行SWOT模型分析 - 10 - （一）建设银行自身的发展优势 - 11 - （二）建设银行自身的发展劣势 - 12 - （三）建设银行发展面临的机遇 - 14 - （四）建设银行发展面临的挑战 - 15 - 五、商业银行在互联网金融时代下的发展模式 - 19 - (责任编辑：qin) |