The Transformation Strategy of Commercial Banks Under the New Wave of Internet Finance in China

Wu Dan (2020) The Transformation Strategy of Commercial Banks Under the New Wave of Internet Finance in China. Külkereskedelmi Kar.

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Absztrakt (kivonat)

The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry and impacted the business model of commercial banks. It shows strong innovative and competitive to a certain extent, causes the creation of the financial industry, and it also puts forward the increasing of the higher requirements on banking development. The network platform of the credit loan model is different from the business model of commercial banks. The capital supply side rely on the platform to find the exact demand side which matches the amount, duration, and interest rate. Not only is the procedure simple, the operation is also very simple. It's more convenient to customize different people's capital needs, which makes it recognized by the public. In the current situation, financial disintermediation and loss of customers are challenging the traditional banks because financial enterprise customers have got rid of using commercial banks as intermediaries with the help of the internet platforms. Today, with the rapid development of the times, as a commercial bank, we must objectively understand the impact of Internet finance on traditional commercial banks. Because this is how commercial banks can adapt to Internet finance more quickly in the next competition, occupy market initiative, and improve their profitability.  Although traditional commercial banks have great advantages in the Internet age. For example, they have rich capital reserve, strong public awareness, and a wide distribution of physical outlets which can be seen and felt. Commercial banks are still facing unprecedented challenges. How to get rid of the difficulties brought about by Internet Finance is an inevitable reflection of commercial banks. Now it’s time for them to break stereotypes, reform and innovate. Commercial banks should have a clear orientation and carry out strategic transformation, accelerate the development of Internet financial products, and explore more on e-commerce platforms

Intézmény

Budapesti Gazdasági Egyetem

Kar

Külkereskedelmi Kar

Tanszék

Nemzetközi Gazdaságtan Tanszék

Tudományterület/tudományág

NEM RÉSZLETEZETT

Szak

Nemzetközi Gazdaság és Gazdálkodás (angol)

Mű típusa:	diplomadolgozat (NEM RÉSZLETEZETT)
Kulcsszavak:	bank, internet, internetfinanszírozás, kereskedelmi stratégia, kína, pénzügyek
SWORD Depositor:	Archive User
Felhasználói azonosító szám (ID):	Archive User
Rekord készítés dátuma:	2022. Ápr. 02. 10:11
Utolsó módosítás:	2022. Okt. 13. 13:10

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