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MBA畢業論文_聯網金融沖擊與JS銀行智慧化轉型研究PDF

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I 摘要 互聯網金融的蓬勃發展全方位沖擊了傳統商業銀行的經營模式,為應對互聯網金 融的沖擊,國內商業銀行已陸續展開智慧化轉型的探索,并已取得一定成效。JS銀行 是國內龍頭商業銀行,在智慧化轉型方面走在全國同行前列,在實踐中出現了不少智 慧化轉型的經典案例,對這些智慧化轉型的案例進行研究有助于深化學界和業界對于 商業銀行智慧化轉型的理解,并為未來我國商業銀行持續而深入地推動智慧化轉型發 展提供啟示。 本文研究的主要問題是JS銀行在互聯網金融的沖擊下是如何進行智慧化轉型的, 轉型過程中會遇到什么困難和阻礙,應當如何克服并提升轉型效果。本文是立足于JS 銀行智慧化轉型的經營實踐撰寫的案例研究,主要的研究內容是JS銀行智慧化轉型的 方式、特點和效果,并就案例研究結合互聯網金融理論分析不足,提出轉型的建議。 本文首先歸納總結了國內商業銀行智慧化轉型的一般策略,即將科技元素嵌入傳統業 務、設置應用場景與提升大數據分析能力、建設金融科技子公司和賬戶出海。其次, 研究分析了三個JS銀行智慧化轉型的具體案例,分別是面向居民群體的YJ花園智慧 社區云平臺建設項目、面向大型制造業企業客戶的FT智慧園區構建項目和面向中小商 戶的LST專業市場云平臺項目,闡述了JS銀行面對不同客戶群體具體的智慧化轉型方 式,對比分析了以客戶需求為導向的智慧化轉型中技術應用的區別和特點,以及不同 項目的經濟效益,并指出商業銀行智慧化轉型對于發展普惠金融的重大意義是能夠數 字化為銀行獲客,并通過物聯網設備獲取客戶的相關信息,通過云計算系統使用大數 據技術挖掘這些數據的價值。最后,本文就互聯網金融對商業銀行的沖擊所造成的影 響和JS銀行的三個智慧化轉型經典案例從技術層面和經濟層面進行總結,并建議銀行 需要在獲客的基礎上活客,加快推動賬戶出海,加速實現全方位風險管理和基于大數 據分析應用的客戶精細化管理。 關鍵詞:商業銀行;智慧化轉型;互聯網金融;金融科技 廣東工業大學碩士學位論文 II Abstract ThevigorousdevelopmentofInternetfinancehasimpactedthebusinessmodelof traditionalcommercialbanksinanall-roundway.InresponsetotheimpactofInternet finance,domesticcommercialbankshavesuccessivelystartedtoexploreintelligent transformationandhaveachievedcertainresults.JSBankisaleadingdomesticcommercial bank.Itleadsthecountryintermsofsmarttransformation.Manyclassiccasesofsmart transformationhaveappearedinpractice.Researchonthesesmarttransformationcaseswill helpthedeepchemicalindustryandtheindustrytoTheunderstandingoftheintelligent transformationofcommercialbankswillprovideinspirationforthecontinuousandin-depth promotionofthedevelopmentofintelligenttransformationbyChinesecommercialbanksin thefuture. ThemainproblemstudiedinthisarticleishowJSBankhasundergoneintelligent transformationundertheimpactofInternetfinance,whatdifficultiesandobstaclesitwill encounterduringthetransformationprocess,andhowtoovercomeandenhancethe transformationeffect.ThisarticleisacasestudybasedonthebusinesspracticeofJSBank's intelligenttransformation.Themainresearchcontentisthemethod,characteristicsand effectsofJSBank'sintelligenttransformation,andproposestransformationsuggestionson thecasestudycombinedwiththeinsufficientanalysisofInternetfinancialtheory.This articlefirstsummarizesthegeneralstrategyfortheintelligenttransformationofdomestic commercialbanks,thatis,embeddingtechnologyelementsintotraditionalbusinesses, settingapplicationscenariosandimprovingbigdataanalysiscapabilities,andbuilding financialtechnologysubsidiariesandaccountstogooverseas.Secondly,theresearchand analysisofthreespecificcasesofJSbank'ssmarttransformation,namelytheYJgarden smartcommunitycloudplatformconstructionprojectforresidents,theFTsmartpark constructionprojectforlargemanufacturingenterprisecustomers,andtheLSTmajorfor smallandmediummerchantsThemarketcloudplatformprojectelaboratesonthespecific smarttransformationmethodsofJSBankinthefaceofdifferentcustomergroups, comparativelyanalyzesthedifferencesandcharacteristicsoftechnologyapplicationsin smarttransformationbasedoncustomerneeds,andtheeconomicbenefitsofdifferent projects,andpointsoutThegreatsignificanceoftheintelligenttransformationof commercialbanksforthedevelopmentofinclusivefinanceistobeabletodigitize customersforbanks,andobtainrelevantinformationofcustomersthroughIoTdevices,and usebigdatatechnologytominethevalueofthesedatathroughcloudcomputingsystems. 摘要 III Finally,thisarticlesummarizestheimpactofInternetfinanceontheimpactofcommercial banksandthethreeclassiccasesofJSBank’ssmarttransformationfromthetechnicaland economiclevels,andsuggeststhatbanksneedtobebasedoncustomeracquisition,and acceleratethepromotionAccountsgooverseastoacceleratetherealizationof comprehensiveriskmanagementandrefinedcustomermanagementbasedonbigdata analysisapplications. Keywords:CommercialBank;SmartTransformation;InternetFinance;Fintech 廣東工業大學碩士學位論文 IV 目錄 摘要...........................................................................................................................................I Abstract.....................................................................................................................................II 目錄.......................................................................................................................................Ⅳ Contents.................................................................................................................................Ⅶ 第一章緒論.............................................................................................................................1 1.1選題背景與研究意義.................................................................................................1 1.1.1選題背景...........................................................................................................1 1.1.2研究意義...........................................................................................................2 1.2研究內容和研究方法.................................................................................................3 1.2.1研究內容...........................................................................................................3 1.2.2研究方法...........................................................................................................3 第二章理論基礎與文獻綜述.................................................................................................5 2.1理論基礎.....................................................................................................................5 2.1.1互聯網金融理論...............................................................................................5 2.1.2長尾理論...........................................................................................................6 2.1.3技術溢出理論...................................................................................................7 2.2文獻綜述.....................................................................................................................8 2.2.1互聯網金融發展與長尾理論...........................................................................8 2.2.2互聯網金融發展對商業銀行的影響研究.......................................................8 2.2.3商業銀行智慧化轉型研究現狀.......................................................................9 2.2.4小結與述評.....................................................................................................11 第三章互聯網金融發展與商業銀行智慧化轉型概況.......................................................12 3.1互聯網金融發展現狀...............................................................................................12 3.1.1互聯網金融實踐創新探索與發展.................................................................12 3.1.2互聯網金融發展的推動因素.........................................................................13 3.1.3互聯網金融發展趨勢.....................................................................................14 3.2商業銀行智慧化轉型概況.......................................................................................15 3.2.1嵌科技元素于傳統業務.................................................................................16 3.2.2設置應用場景與提升大數據分析能力.........................................................18 3.2.3建設金融科技子公司和賬戶出海.................................................................19 第四章JS銀行智慧化轉型的經典案例研究......................................................................21 4.1YJ花園智慧社區云平臺建設項目...........................................................................21 目錄 V 4.1.1智慧社區云平臺概況.....................................................................................21 4.1.2YJ花園智慧社區項目基本情況.....................................................................22 4.1.3YJ花園智慧社區項目成本收益研究.............................................................23 4.2FT智慧園區構建項目..............................................................................................26 4.2.1智慧園區項目基本情況.................................................................................26 4.2.2智慧園區項目的功能分析.............................................................................28 4.2.3FT智慧園區項目成本收益研究....................................................................30 4.3LST專業市場云平臺打造項目................................................................................32 4.3.1專業市場云平臺項目背景與介紹.................................................................32 4.3.2專業市場云平臺的功能.................................................................................34 4.3.3專業市場云平臺案例小結.............................................................................36 4.4JS銀行智慧化轉型案例的比較分析.......................................................................39 4.4.1金融科技應用的異質性分析.........................................................................39 4.4.2成本收益預期的異質性分析.........................................................................40 第五章JS銀行智慧化轉型策略..........................................................................................42 5.1運用金融科技手段推動智慧化轉型.......................................................................42 5.1.1大規模應用物聯網技術.................................................................................42 5.1.2運用云計算技術提升運營效率.....................................................................42 5.1.3運用大數據技術深挖業務價值.....................................................................43 5.2JS銀行智慧化轉型的總體績效評估.......................................................................43 5.2.1主成分分析法介紹.........................................................................................43 5.2.2變量選取與指數構建.....................................................................................44 5.2.3績效分析與評估.............................................................................................46 5.3JS銀行智慧化轉型中的商業模式的變與不變.......................................................46 5.3.1商業銀行的本質和功能未有改變.................................................................47 5.3.2盈利來源從政策壟斷向科技賦能轉變.........................................................47 5.3.3經營重點從墨守二八定律向挖掘長尾市場轉變.........................................47 第六章結論與啟示...............................................................................................................49 6.1主要結論...................................................................................................................49 6.2主要啟示...................................................................................................................49 6.2.1在獲客的基礎上活客.....................................................................................49 6.2.2加快推動賬戶出海.........................................................................................50 6.2.3實現全方位風險管理和資產配置自動化.....................................................51 6.2.4加速實現基于大數據分析應用的客戶精細化管理.....................................52 廣東工業大學碩士學位論文 VI。。。。。。以下內容略
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