【作者】 许敏；

【导师】 霍兵；

【作者基本信息】 山东大学 ， 工业工程（专业学位）， 2018， 硕士

【摘要】 随着我国经济进入新常态,国有商业银行依附于宏观经济高速增长的黄金时代就此结束。当前互联网金融高速推进、金融脱媒效应凸显以及日益白热化的同业竞争使得国有商业银行利差不断收窄,以存贷利差为主的传统盈利模式无法继续支撑利润的增长,迫使国有商业银行积极调整业务结构,加大了对中间业务的创新、营销和考核力度,期冀打造新的利润增长引擎,追求利润最大化。近年来面对激烈的竞争和严峻的挑战,国有商业银行通过转变意识、加强考核、加快创新,在寻求做大传统中间业务的同时积极努力拓展新型中间业务收入,促使中间业务实现了长足的发展。近年来,随着全球科技的快速发展,尤其是大数据、云计算、人工智能、区块链等一系列技术创新的应用,加速了科技与金融结合的步伐,金融科技对国有商业银行诸多业务产生了影响,其中对中间业务更是产生了显著的影响。当前科学技术快速发展,金融科技不断发展进步,国家政策也进一步加强了对金融科技的支持力度并逐步建立规范的监管机制。以微信、支付宝、陆金所等为代表的互联网金融,打破了传统的金融秩序。微信、支付宝、P2P的兴起,抢占了国有商业银行大量的结算业务份额,同时抢占了商业银行大量理财和代理业务市场份额。大数据和云计算,被广泛应用于商业银行产品的研究和创新中,并为客户营销提供了精准的数据支持。人工智能技术取得了巨大的突破,并在国内银行业务中已经初步试水。区块链技术安全、可溯源的特点,使其成为全球政府、科技公司和金融机构的研究热点,可能会对银行传统的支付结算、履约担保等职能产生巨大的影响,但同时也引起了监管部门的高度关注。众多互联网企业凭借金融科技的技术手段实现了传统金融机构无法实现或缺乏兴趣的业务拓展,因其运营成本、获客成本极低,而提供的产品和服务具有费用低、效率高、智能化、人性化的优势,通过长尾效应迅速积累了广泛的客户。更重要的是金融科技正逐步改变广大居民长期以来的金融习惯,对国有商业银行中间业务发展造成了巨大的冲击。与此同时,国有商业银行也在加大对金融科技的研究和应用,以金融科技手段改善业务流程、研发创新产品、实现精准营销,从而实现了业务的转型发展。金融科技的冲击,是否会从根本上影响到国有商业银行中间业务,在如今的新形势下,如何应对外部挑战,提高中间业务竞争力,提升银行综合盈利水平,是国有商业银行面临的一大难题。本研究首先对金融科技的定义和发展情况进行研究分析,随后研究了国有商业银行中间业务发展情况并分析了存在的问题,之后研究了金融科技对国有商业银行中间业务的影响机制和影响程度,最后结合理论和实践提出了一些利于国有商业银行业务发展的建议。更多还原

【Abstract】 With China’s economy entering a new normal,the state-owned commercial banks are attached to the golden age of macro-economic growth to end.With the rapid development of Internet finance,the increasing of the financial media effect and the white-hot competition,the profit margin of state-owned commercial banks is narrowing,and the traditional profit model based on the deposit and loan spreads cannot continue to support the growth of profits,forcing the state-owned commercial banks increased the intermediary business innovation,marketing and assessment efforts,hoping to create a new profit growth engine,the pursuit of maximum profit.In recent years,faced with fierce competition and severe challenges,state-owned commercial banks,through the transformation of consciousness,strengthening assessment,speeding up innovation,while seeking to enlarge the traditional intermediary business and actively strive to expand the new intermediary business income,to promote the intermediary business to achieve a significant development.In recent years,with the rapid development of global science and technology,especially the application of large data,cloud computing,artificial intelligence,block chain and so on,it accelerates the combination of technology and finance,and the financial technology has influence on all aspects of the business of state-owned commercial banks,which has a significant impact on the intermediary business.With the rapid development of science and technology and the continuous development and progress of financial technology,national policies have further strengthened the support for financial technology and gradually established regulatory mechanisms.The internet finance,represented by Wechat,Alipay and Lu Jinshuo,has broken the traditional financial order,the rise of Wechat,Alipay and P2P,and has preempted the large amount of settlement business share of state-owned commercial banks,and has also grabbed a large amount of financial and agency business market share.Large data and cloud computing are widely used in the research and innovation of commercial bank products and provide accurate data support for customer marketing.Artificial intelligence technology has made a great breakthrough,and in the domestic banking business has been preliminary test water.Block chain technology security,traceability characteristics,so that it becomes the global government,science and technology companies and financial institutions of the hot research,which may have a huge impact on the bank’s traditional payment and settlement,performance guarantee functions,but also caused a high degree of concern of the regulatory authorities.Many internet enterprises by means of financial technology to achieve the traditional financial institutions cannot achieve or lack of interest in business development,because of its operating costs,the customer cost is very low,and the provision of products and services with low cost,high efficiency,intelligence,user-friendly,through the long tail effect of rapid accumulation of a wide range of customers.More importantly,financial technology is gradually changing the long-term financial habits of the residents,the state-owned commercial banks in the development of intermediary business has caused a huge impact.At the same time,state-owned commercial banks are also increasing the research and application of financial technology to improve business processes,research and development of innovative products,and achieve accurate marketing,thus realizing the transformation of business.Whether the impact of financial technology has a subversive effect on the intermediary business of state-owned commercial banks,facing the new situation,how state-owned commercial banks to deal with the external challenges,improve the competitiveness of intermediary business and enhance the overall profitability of banks has become an important issue in the face of state-owned commercial banks.This paper first analyzes the definition and development of financial technology,then studies the development of intermediary business of state-owned commercial banks and analyzes the existing problems,then studies the influence of financial technology on the intermediary business of state-owned commercial banks.Finally,combined with the theory and practice of the state-owned commercial banks intermediary business development suggestions.更多还原