互联网金融对商业银行的冲击及其对策研究——从地方性股份制商业银行角度

内容摘要···············································2

互联网金融研究综述及发展现状···························3

2.1．互联网金融研究综述································3

 2.1.1．国外研究综述··································3

 2.1.2．国内研究综述·································4

 2.2．互联网金融发展现状································5

 2.2.1国际发展现状···································5

 2.2.2国内发展现状·································5-7

3．互联网金融对地方性商业银行的冲击······················7

 3.1某地方性商业银行基本情况················7-9

 3.2互联网金融对S行的冲击·················9-10

4．S行在互联网金融冲击下SWOT分析·······················10

 4.1 SWOT分析法简介··················10-11

 4.2 S行的优势分析··················11-12

 4.3 S行的劣势分析·······················13

 4.4 S行的外部机会······················13-14

 4.5 S行的外部威胁···················14-15

5．S行的应对策略······················15-16

6.引文注释·························17

7.参考文献·························17-18

 

内 容 摘 要

互联网金融在近几年发展势头迅猛，孕育产生了多种新型金融模式，也诞生很多优秀的互联网金融企业。互联网金融的快速发展改变了金融市场结构，特别是消费者的投资观念和支付习惯，这一系列的改变对商业银行，特别是地方性商业银行的冲击是显而易见的。本文在借鉴其他人研究的基础上，通过SWOT分析，对地方性商业银行的应对策略进行了简单的分析，得出地方性商业银行应立足自身在内部管理、风险管控、网点布局以及员工专业素养方面的优势，通过网点转型创新营销手段、转变经营思路提升客户体验、注重员工素质提升、强化风险管理等，在互联网金融浪潮中抓住机遇，抢占个人客户市场，保证区域内的比较优势地位。

【关键词】：互联网金融、商业银行、SWOT、风险防范