【作者】 李鹏；

【导师】 王立生；

【作者基本信息】 山东大学 ， 工商管理（专业学位）， 2017， 硕士

【摘要】 2013年被成为中国的互联网金融元年。在这一年,互联网金融成为最为炙手可热的金融名词,各种新兴的互联网金融业态开始浮现,互联网金融的思潮迅速席卷金融行业。互联网金融依托大数据、云计算、移动互联技术等先进的信息技术,在我国逐步发展为以互联网理财、P2P贷款、第三方支付、互联网保险等为主要形式的金融业态。互联网金融从负债业务、资产业务、中间业务等多方面向商业银行的传统业务发起了挑战。人们越来越认识到,阿里巴巴董事局主席马云先生在2008年喊出的豪言壮语“银行不改变,我们就改变银行”变成现实的可能性大大增加。本文采用实证研究的方法,以互联网金融为研究背景,结合S省建设银行这个我国银行业中较为具有代表意义的国有大型商业银行的一级分行为主要研究对象,系统分析了互联网金融发展对其资产负债中间业务的具体影响,指出其进行转型的必要性。本文全方位分析了 S省建设银行的外部环境,从其所处的宏观环境、行业环境、行业竞争状况等维度分析了其外部环境的机会和威胁。同时,本文还结合S省建设银行内部资源、内部能力分析了其内部环境的优势和劣势。为了更加深入的了解S省建设银行对于外部环境的反应情况,以及其内部对于自身优劣势的认知情况,本文采用内外部因素评价矩阵模型,通过问卷调查的方式,对S省建设银行面临的内外部关键因素进行了综合评价。为了综合研究S省建设银行面对的内外部环境中的机会、威胁、优势、劣势,本文采用SWOT分析的方法,对S省建设银行内外部关键因素进行综合分析,并结合内外部因素评价结果,指出S省建设银行面临的外部机会大于威胁,内部劣势大于优势,适合采用转型战略,尽快将内部劣势最小化,把握外部发展机遇,提高对互联网金融企业竞争的应对能力。本文结合S省建设银行已经采取的措施,以及其内外部情况,提出其进行转型的五大方面,即经营理念转型、经营模式转型、渠道转型、业务转型、管理转型。由于考虑到对于S省建设银行国有大型企业,其内部机构较多,部门利益复杂,存在着部门间的协调配合问题,本文提出其进行经营转型的七大支持保障措施,即建立转型推进组织结构、完善转型推进考核体系、加大转型推进资源配置力度、提高定价管理精细化水平、加强全面风险管理和内控体系建设、加大信息技术建设和大数据应用力度、培育优秀的企业文化。结论部分总结了本文以S省建设银行为例,结合移动互联网金融的大背景,提出我国商业银行要注重从经营理念、经营模式、渠道变革、业务转型、管理转型等方面推进转型,并在转型中注重提供强有力的支持保障措施,从而确保转型措施收到较好效果。本文还对后续研究进行了展望,希望后续研究能更多的关注商业银行对于新技术的应用情况以及对商业银行转型进行评价分析。更多还原

【Abstract】 2013 marks the first year of Internet finance in China,which became the most sought-after financial noun that year.A variety of new Internet financial industries started to emerge and the ideological trend of Internet finance spread throughout the financial industry rapidly.Supported by big data,cloud computing,mobile Internet technology and other cutting-edge information technologies,Internet finance has gradually developed as a financial industry in the main forms such as Internet banking,P2P loan,third-party payment,Internet insurance,etc.It has posed challenges to many traditional businesses in commercial banks,including debt business,assets business,and intermediate business.People increasingly realize that the aspiration of "if banks don’ t change,we will change them" that Ma Yun,President of Board of Directors of Alibaba,said in 2008,is greatly likely to come true.By empirical research and on the background of Internet finance,the paper takes the construction bank of Province S as the main research object because it is a large state-owned commercial bank of great representative significance in Chinese banking industry.The paper analyzes systematically the specific influences of Internet finance development on the bank’s assets,debt and intermediate businesses,and points out its necessity of transformation.It also analyzes comprehensively the external environment of the construction bank of Province S,and the opportunities and challenges from the dimensions of macro environment,industrial environment,and industrial competition conditions.At the same time,the paper analyzes the bank’s advantages and disadvantages in its internal environment by combining its internal resources and capacities.To better understand the reaction conditions of the bank to the external environment and the awareness of its own advantages and disadvantages,the paper uses internal and external factor evaluation matrix and makes a comprehensive analysis on its key internal and external factors faced by it through questionnaire survey.To study the opportunities,threats,advantages and disadvantages in its internal and external environment,the paper uses the method of SWOT analysis to make a comprehensive analysis on its key internal and external factors.Combining the evaluation results,the paper points out that,the external opportunities faced by the bank are larger than threats,while internal disadvantages are larger than advantages.Thus,it should adopt transformation strategy to minimize its internal disadvantages and seize external development opportunities,in a way to improve its response ability to the competition from Internet financial enterprises.Through combination with the measures having taken in the construction bank of Province S and its internal and external conditions,the paper puts forward five aspects for its transformation,namely,transformation of operation principle,operation model,channels,business,and management.Considering that as a large state-owned enterprise,the bank has a number of internal organizations,complicated departmental benefits,and problem of coordination among departments,the paper proposes seven support and safeguard measures for its transformation.They are comprised of establishing transformation promotion organization,improving transformation promotion evaluation system,strengthening resources allocation for transformation promotion,improving meticulousness of pricing management,enhancing comprehensive risk management and inner system establishment,increasing information technology construction and big data application,and cultivating excellent corporate culture.The conclusion summarizes the paper that,taking the construction bank of Province S as an example and combining the general background of Internet finance,puts forward that commercial banks in China should focus on transformation in operation principle,operation model,channels,business and management,and provide strong support and safeguard measures to make ensure the transformation measures are effective.The paper also has an outlook on the further research in the hope that future researches will give more emphasis on the application conditions of new technologies in commercial banks and the evaluation analysis on their transformation.更多还原