互联网金融对传统金融的冲击度以及依赖度

发布时间：2018-02-03 23:38

本文关键词： 互联网金融传统金融冲击度依赖度　出处：《上海交通大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网金融是指以依托于支付、云计算、社交网络以及搜索引擎等新一代互联网工具,实现网络融资、支付结算和信息中介等业务的一种新兴金融。近年来,互联网金融的迅猛发展态势使其成为当下学术界与金融行业的焦点话题。一方面,互联网金融依托于传统金融机构,创造出第三方支付、P2P(peer to peer)、众筹(crowd funding)等一系列新兴商业模式,为当前的经济与金融大环境带来了生机与活力,也传统金融服务进行了有益补充。另一方面,互联网金融也对传统金融机构特别是商业银行的发展产生了较大冲击。本文从这一角度出发,首先从金融本质的理论观点出发,论述了互联网金融的相关概念及其产生与发展的背景,并且比较了互联网金融与传统金融机构的优劣势;然后本文从支付宝、阿里小贷、P2P贷款、余额宝等互联网代表发展模式出发,梳理了我国互联网金融目前的发展情况;接下来,本文以支付宝为案例,深入解读了互联网金融对传统金融机构的冲击和依赖。经过详尽的分析,本文得出结论:在冲击方面,传统金融机构中的现金业务将是受互联网金融模式威胁最大的领域,而且互联网金融将利用大数据获取与挖掘,深度改造当前金融体系的信用风险管理模式。在依赖方面,互联网金融的对象、工具、法律关系都没有根本性的变化,最终交易的还是金融契约,金融的产品和服务只是形式解构而非异化解构,本质没有发生变化,第三方支付的资金源头仍从属于商业银行账户,余额宝归根到底连接的是货币市场基金,阿里小贷和P2P的业务开展仍是基于信用风险管理之上的金融业务,而理财咨询、保障、资产管理等以“推”为主的业务条线,以及投行、托管等牌照业务将不会受到互联网金融的明显影响。本文提出政策建议:传统金融与互联网金融的未来在于融合发展,而不是彼此取代。在我国未来金融体系改革中,应当结合本国特色,进一步发挥互联网金融的综合优势,进行适合我国特色的互联网金融的经营模式创新,增强互联网金融的品牌效应,改善互联网金融服务理念,提升自身服务能力与效率,扩大服务范围与领域,与传统金融机构进行适当融合,加强监管力度,保护消费者权益,规范互联网金融运行模式,促进我国互联网金融行业不断发展和完善,深化我国金融体系的改革步伐。
[Abstract]:Internet finance refers to a new generation of Internet tools, such as payment, cloud computing, social network and search engine, to realize network financing, payment settlement and information intermediation. With the rapid development of Internet finance, it has become a hot topic in academia and financial industry. On the one hand, Internet finance relies on traditional financial institutions and creates a series of new business models, such as P2Ppeer to Peer, crowd funding, etc. It has brought vitality and vitality to the current economic and financial environment, and has also served as a useful supplement to the traditional financial services. On the other hand, Internet finance has also had a great impact on the development of traditional financial institutions, especially commercial banks. This paper discusses the related concepts of Internet finance and the background of its emergence and development, and compares the advantages and disadvantages between Internet finance and traditional financial institutions. Yu'e Bao and other Internet representatives of the development model, combing the current development of Internet finance in China; next, this paper takes Alipay as a case study. This paper deeply explains the impact and dependence of Internet finance on traditional financial institutions. After detailed analysis, this paper concludes that, in terms of impact, the cash business in traditional financial institutions will be the area most threatened by the Internet financial model. Moreover, Internet finance will use big data to acquire and excavate, to profoundly transform the credit risk management model of the current financial system. In terms of dependence, there has been no fundamental change in the object, tool, and legal relationship of Internet finance. The final transaction is financial contract, financial products and services are only form deconstruction, not dissimilation deconstruction, the essence has not changed, the source of third party payment funds is still subordinate to commercial bank accounts. Yu'e Bao, in the final analysis, is linked to money market funds. The business of Ali Xiaolian and P2P is still a financial business based on credit risk management, while financial consulting, security, asset management, and other business lines are mainly "pushed". As well as investment banking, trusteeship and other license business will not be significantly affected by Internet finance. This paper puts forward policy recommendations: the future of traditional finance and Internet finance lies in the integration of development. In the future financial system reform of our country, we should combine our own characteristics, further give full play to the comprehensive advantages of Internet finance, and innovate the management mode of Internet finance suitable for our characteristics. Enhance the brand effect of Internet finance, improve the concept of Internet financial service, enhance its service ability and efficiency, expand the scope and field of service, properly integrate with traditional financial institutions, strengthen supervision, and protect the rights and interests of consumers. To standardize the operation mode of Internet finance, to promote the continuous development and perfection of China's Internet financial industry, and to deepen the pace of reform of China's financial system.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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