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Paper代写:Commercial Banks in the era of Internet finance

2018-04-12 | 来源:51due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- Commercial Banks in the era of Internet finance,供大家参考学习,这篇论文讨论了互联网金融时代下的商业银行。互联网金融的蓬勃发展对商业银行来说是巨大的挑战,但同时,也可以是发展的机遇。再次给予下,商业银行可在认识自身优势的基础上,转变思想,扬长避短,重视大数据,云计算等新技术,寻求与互联网企业的交流与合作,化挑战为机遇,继续发挥在金融领域不可替代的作用。

Internet finance,商业银行,英国论文代写,paper代写,论文代写

Current to the third party payment, P2P financing, electric business platform, network finance represented by the Internet financial services have is closely connected with our life, the Internet finance on bank lending and deposit and traditional business such as both the impact and influence that nots allow to ignore. The author mainly discusses the influence of Internet finance on commercial Banks from two aspects: third-party payment and new financing channels.

Third party payment as the emerging network payment and settlement method and credit intermediary has been recognized by the majority of consumers. With the expansion of business scale, third-party payment constantly challenges the status of traditional Banks.

Payment and settlement business as the most basic intermediary business of the bank, the large amount of fees generated is the important income source of the bank. However, with the rapid growth of third-party payment business, there is a trend of replacing commercial Banks' media roles in the field of capital settlement.

Compared with Banks, third parties charge a lower service charge, or even completely free, so they have a strong appeal to customers. In addition to the advantages of low cost, the third-party payment service is simple and fast, which can meet the personalized needs of users and is deeply loved by the younger generation. According to the data, third-party payment is the first choice for the majority of consumers' consumption transfer with 62% choice rate, while online banking and mobile banking are only 46.8% and 26.1% respectively. Obviously, third-party payment weakens the payment function of bank card and erodes the bank's profit.

China's current fund sales channels are dominated by Banks. In the past, Banks were the only comprehensive providers of financial services, and sales of funds, trusts and other products relied heavily on Banks. In the vast number of investors, commercial bank is the highest credit rating and good security, coupled with the Banks have physical locations, these all make the bank has a high voice in the field of financial products sales.

However, the addition of the third party payment has a tendency to break the pattern, the fund company directly cooperate with the Internet enterprises with customer resources, to challenge the leading position of Banks in fund sales. At the same time, Internet companies can help fund companies to analyze customers' risk preferences by mining investors' data, so as to actively push products and even customize services for them. And fund and Internet financial cooperation could also boost investor user experience, such as balance treasure for celestica fund has brought a lot of customer resources, customer also implements the function of financial management and payment of epoxy resin, achieved very good sales result. Although the market share of third-party payment fund is still small in the current stage, the development prospect of the Internet fund market is widely seen from the trend. If Banks do not take steps, they will face severe challenges in the future.

From the point of the practical operation of the third party payment, third-party payment actually is very similar to the bank settlement service, for buyers and sellers guarantee at the same time, the platform has accumulated a large amount of precipitation funds, these settle funds in general are stored in separate to open bank accounts. If from the point of the amount of deposits, seems quite a proportion of the funding of third-party payment platform, finally will still be back into the banking system, there seems to be no threat to the bank deposit business, but due to the leakage effect, third-party payment or weakened the sources of bank deposits. And, as a third party payment continue to expand the business scope, strengthening third-party payment function in financial investment, savings deposits formed in direct competition with the bank, is to balance the treasure, for example, in 2013 by pay treasure to account balance value-added services "balance". After real-name authentication of alipay users, can be directly transfer the account balance balance treasure, its essence is to buy a currency funds, compared with the current bank deposit, balance treasure high yield, early QiRi annualized return of 6% above. Yields are now down to around 3.6% for seven years, but still well above the bank's 0.35% demand deposit. For paying treasure to the user, the balance of funds transferred to transfer is more convenient than demand deposits, and buying a threshold limit, these advantages make consumers tend to use the balance treasure class microfinance financial product management.

At present, the commercial bank profit still mainly rely on the margin, but due to the development of the Internet financial, the trend of "financial disintermediation" began to emerge, in the traditional sense of the bank intermediation function weakened, the impact on businesses mainly reflects in the following two points:

Internet finance has provided crowdfunding, network lending and other financing channels, which has broken the pattern of former bank monopoly financing channels. In the traditional economic model, it is almost impossible for an enterprise or individual to finance without collateral or without guarantee. But in the context of Internet finance, this cannot become possible. Internet financial companies with large data, cloud computing and other technical advantages, can put borrowers pay data and historical records as reference and analysis index and the basis, different approach provides to reduce risk, improve the efficiency of capital allocation in the new way of thinking, and more flexible.

This embodies in the field of small micro enterprise financing is especially apparent, although the bank of China in 2004 is put forward, to small and medium-sized enterprise business as the transformation direction of Banks, but in practice, due to the asymmetric information companies and Banks, state-owned Banks, it is hard to effectively assess the risk level of small micro enterprise, look from the total amount, small micro enterprise won just 18.9% of bank loans, small and medium-sized businesses, the difficulty of financing is still deeply disturbed, but Internet financial and its own characteristics, with its unique advantages in the field of small micro enterprise financing rapidly onboard. Ali small loans, for example, small loan ali, which is based on Internet technology, according to the characteristics of small micro enterprise financing to meet the small micro enterprise financing demand, rapid growth for the industry leader. We can compare the indicators of small loans and bank loans, first of all, ali small loans to provide loans to an average of 56000 yuan, is far less than the average 1.5 million bank loans, the average loan approval time only need 5 minutes, and the bank loan takes about half a month to a month to be approved. Such rapid approval did not result in a surge in loan defaults, and a 0.58% loan default rate was better than the 1.15% of Banks. At the same time, the cost of loan transaction is close to 0, which is far superior to bank loans. In conclusion, the advantages of low amount, quick approval and low cost of capital accord well with small and micro enterprises. The demand of I changed the industry pattern of bank monopoly financing channels in the past.

The income of commercial Banks in China is very dependent on the spread income of deposit and loan, so it is always criticized as "living on the spread of deposit and loan". The rapid development of Internet financial, changed the immobilization rate characteristics of commercial Banks, through the market price preferences reflect supply and demand both sides, both sides negotiate, reflects the trend of marketization of interest rate, interest rate marketization, the interest rate decisions will be transferred to the financial institutions, is ultimately determined by market supply and demand. Banks also want to continue to rely on high spreads between deposit and lending to profit, the current model will be unsustainable, at that time, the Internet financial will with efficient, convenient, low cost advantage to attract customers, such as commercial bank erosion existing or potential customer resource, which threaten the profitability of commercial Banks. Mentioned above, on the one hand, commercial Banks at present very well meet the demand of small micro enterprise financing, financial rely on Internet search engines, on the other hand, new technology, such as large data with network financing platform for small and medium-sized enterprises and merchants, well adapted to the small and medium-sized enterprise financing "small", "short" and "frequency", "fast" demand characteristics. By the end of 2014, China's statistics on the number of small micro enterprise as a legal person is 7.85 million, accounting for 95% of the total number of enterprises, accounting for 30% of the total enterprise assets, and, seeing from the trend, the development of small micro enterprise is more and more become the national economy growth, the number of small micro enterprises originally is the bank's credit customers, potential theory can bring huge to bank interest income, but if the bank will be ceded the market, the resulting interest income will be swallowed up by the Internet companies.

It is true that the booming development of Internet finance is a great challenge for commercial Banks, but it can also be an opportunity for development. Bank can be known, on the basis of their own advantages, change ideas, foster strengths and circumvent weaknesses, attaches great importance to the big data, cloud computing and other new technology, with the Internet enterprise exchanges and cooperation, turn challenges into opportunities, to continue to play an irreplaceable role in the financial sector.

From the perspective of the status of the financial system, as a result of the system and policy factors, commercial Banks not only relationship with the stability of financial markets, is also about the smooth running of the national economy, maintain the stability of financial order. First, commercial bank assets are large and growing rapidly from a capital scale. In 2003, the total assets of commercial Banks in China were 23.1 trillion yuan. By 2014, the total assets of China's commercial Banks had reached 130.9 trillion, and the total assets increased nearly 5 times in 10 years. Due to the long-term rapid growth of China's economy, the large population base and high savings rate make our country the largest and fastest growing banking market in the world. Secondly, the commercial banking infrastructure is perfect, with many physical branches, extensive business and good reputation. To sum up, commercial Banks have very strong hardware and software strength, which is sufficient to deal with crisis and challenge.

Commercial Banks under the background of Internet financial operational advantage is mainly embodied in the following aspects: the operation of traditional Banks in decades, has accumulated a large number of highly qualified professionals, has a large number of high-quality client resources, and the operation mode of the mature steady strict regulation and relevant departments, its operation is stable and reliable. In view of the Internet enterprises, the capital chain breaking up the money running the road, and even frequent financial fraud cases.

Traditional commercial Banks in risk management, personnel, information technology and has a huge advantage compared to most Internet financial enterprises, and long-term accumulated a lot of money in the operation of the practice of safety management experience, users of capital security and personal information security can be better protected. Internet financial mainly based on the network characteristics of convenience, but because of the Internet technology still exist loophole, criminals can write virus program malicious network attack, causing huge leak of personal information, endanger the safety of the user's money. Traditional banking business process management system more perfect than the Internet, the operation of long time accumulation of practical experience of risk management and comprehensive management concept also makes the commercial bank risk management is more robust in terms of risk prevention and control.

Change the thought, pay attention to the change of Internet finance strategically. Commercial Banks need to be in the impact of the Internet financial challenges and sober understanding, identify themselves in areas such as payments, electric business platform, as the role of chaser, on the basis of its own innovation, transformation and development of rising to a strategic level. Learning the Internet enterprise's idea and way of thinking, pay attention to data mining and information integration, efforts to improve customer experience, in the mode of organization structure, business model and service innovation, to adapt to the new internal and external environment.

Hengfeng bank CEO Li Huihui retail financial headquarters in "2015 China international bank conference", China's retail customer structure have changed, including the degree of wealthy clients, clients' assets overseas configuration, the aging of the clients. At present, the aging trend of China's population has appeared, and the total number of people over 60 years old is nearly 180 million. This kind of special group is very dependent on physical branches when obtaining banking financial services. In addition, the bank of some high net worth clients of the bank financial services have their own individual needs, need to have the financial, legal and other professional knowledge of banking professionals for its personalized service. Therefore, commercial bank physical branches are not only irreplaceable, but also increasingly important.

The rise of domestic community bank branches is a case in point. Since 2013, Banks have been scrambling for the "last mile" of financial services. Many domestic Banks, especially small and medium-sized commercial Banks, have stepped up their efforts to innovate their own branches. In addition, Banks have direct bank layout, through the combination of direct marketing and community bank, giving full play to the advantages of both, to explore online channels, fusion, give full play to the functions of the traditional physical branch, so as to play their own advantages, to cope with the impact of the Internet financial.

There is no doubt that commercial Banks must seek transformation in the context of Internet finance. Working with Internet finance companies to learn from their operating models and new technologies such as big data and cloud computing is the fastest way to do this. In terms of data, commercial Banks can be used to share data with Internet financial enterprise, or buy them for user transaction information, build their own big data information, analysis of consumers' personalized requirements, combined with the Banks themselves advantages and expertise, targeted to create products and services, improve customer experience, more competitive.

The solution of the third-party payment platform to the financing of small and micro businesses is worth learning from the commercial Banks. It is difficult to solve the financing difficulty of small and micro enterprises, and the main reason is that risk control is difficult. Relative to large enterprises, small enterprises operating time is short, the operator's behavior is uncertain, corporate structure is relatively simple, financial conditions are often the transparency is not high, this makes the bank master these enterprises in the traditional way of operating and credit situation is time-consuming. However, thanks to the development of the Internet, this kind of situation is expected to get very good solve, Internet companies use of big data, cloud computing, new technologies, such as search engines through data mining, analysis for small micro enterprise credit conditions, the reasonable control of the risk. In mature ants gold suit, for example, has a set of data mining, analysis system, small micro enterprise pay data as the core, grasping every link of the enterprise data information, and strictly control the credit risk is obtained. Moreover, this method greatly shortens the time needed for small and micro businesses to obtain funds, and saves the labor cost of a large amount of loan review.

Today, electronic commerce volume increasing, life, consumers have got used to the third party payment on payment and settlement, and to pay such as credit CARDS or mobile banking settlement business consumers less and less, this situation not only impressed by the Banks' profits, more importantly makes it hard for commercial Banks to obtain relevant information of the clients. More than once, the importance of big data is mentioned. In the age of big data, it is impossible to master the information data, just like being blindfolded, in the competition must be at a disadvantage, and finally eliminated by the market. To avoid this, commercial Banks must rely on big data. Master the information flow, the source of the control data, establish and innovate the e-commerce platform, it is the bank to regain control of the information flow, control the source of the data, remastered.

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