【作者】 李楠；

【导师】 熊熊；

【作者基本信息】 天津大学 ， 工商管理（专业学位）， 2016， 硕士

【摘要】 以云计算、大数据、社交网络和搜索引擎等为代表的互联网技术大潮全面渗透并革新了各个行业,互联网与金融的结合产生了互联网金融。互联网金融迅猛发展,不断壮大,因互联网金融具有普惠性、门槛低、高效等特点,其正一步步蚕食了传统商业银行业务,抢夺走商业银行的客户资源和资金,对传统银行业的带来了巨大的冲击。由此,传统银行业如何借助互联网金融优势,将自身业务与互联网金融对接与融合,极具理论意义和现实意义。文本首先在第一章绪论中给出了选题背景、回顾了国内外互联网金融研究的理论综述、指出了研究意义与内容以及本文创新点;接着在第二章阐明了互联网金融的概念、国内外互联网金融的发展历程、互联网金融的表现形式和特点,以及互联网金融的风险特征,为第三章探讨了互联网金融对我国银行业的影响、我国银行业发展状况及对应对互联网金融采取的创新手段。提出4条可行模式打下伏笔;第四章分析了天津银行的基本情况和互联网金融业务的发展状况,并通过SWOT模型提出了现有差距;第五章提出了天津银行互联网金融业务九条具体的转型策略;第六章总结了全文并提出了发展展望。文本旨在为天津银行找到合适的互联网金融战略转型道路,同时这些建设性提议对其他兄弟商业银行的战略制定也将起到一定的借鉴作用。本文不同之处在于由作者工作的天津银行为视角,一步步由表及里分析互联网金融意义、互联网金融对银行业影响、天津银行的战略分析、我国银行业的可行战略。更多还原

【Abstract】 Internet technology,characteristics of cloud computing,big data,social networks and search engine,is fully penetrating various industries.Internet finance is the combination of the Internet technology and finance.With the rapid development of Internet finance,its advantages such as popularity,continue to grow,low threshold,and high efficiency,loot the traditional commercial banking business step by step,snatch away the commercial bank customer resources and funding and bring a huge impact to the traditional banking.As a result,the traditional banking industry must learn how to use the advantages of the Internet finance,making its business matching with the Internet Financial,which is of great theoretical significance and practical significance.The first chapter gives Internet finance background,reviews the theory of domestic and international Internet financial research,and points out the significance of the research content and the innovation points of this paper.Then the author expounds the concept of Internet finance in the second chapter,domestic and overseas development,form and characteristics of Internet finance,Internet finance risk characteristics.For the third chapter,it’s made of the influence of Internet banking on China’s banking industry,the development status of China’s banking and financial innovation to deal with the Internet by means of foreshadowing.The fourth chapter analyzes the development of the basic situation of bank of Tianjin and its Internet banking business.The fifth chapter puts forward 9 specific transformation strategies about the Internet Finance Business for bank of Tianjin.The sixth chapter summarizes the whole thesis and gives Chines bank industry 4 future new models.This thesis is aim to find appropriate financial strategy of Internet finance transition to bank of Tianjin,and the construction of proposed the establishment of other brothers commercial banks strategic.This thesis trait is by the Bank of Tianjin perspective,step by step from the outside to the inside of the analysis of significance of Internet banking,Internet financial impact on the banking industry and bank of Tianjin strategic analysis,as a viable strategy for China’s banking industry.更多还原