互联网金融对商业银行个人理财业务的影响分析--以建设银行东莞分行为例.docxVIP

PAGE PAGE II 摘 要 随着互联网的不断发展与优化，互联网金融涵盖的领域逐渐扩大，已经涉及账户间直接转账、移动支付、理财、众筹资金、虚拟货币等多个经济范畴，是一个兴起的金融市场，互联网金融拥有着庞大的用户基数和便捷服务，并且与传统的银行相互竞争，尤其是个人理财产品的竞争异常激烈。本文以建设银行东莞分行为例，简述在互联网金融影响下，建设银行东莞分行在个人理财业务上出现的业务量和收益量减少的情况，主要原因为理财产品在办理的过程中存在审批时间长，手续繁琐等问题，与互联网金融缺乏有效合作和未彰显银行理财安全优势，最后针对以上因素和缺陷，提出建设银行东莞分行应该多样化个人理财产品种类，提升客户体验打造服务型银行，发展战略伙伴开拓新型业务和宣传银行安全优势。 关键词：互联网金融??建设银行金融影响 ABSTRACT With the continuous development and optimization of the Internet, the fields covered by Internet finance have gradually expanded. It involves multiple economic sectors such as direct account transfers, mobile payments, wealth management, crowdfunding and virtual currencies. This is a rising financial market. Internet finance has a large user base and convenient services, and it competes with traditional banks, especially personal wealth management products. This article uses CCB Dongguan Branch as an example to briefly describe the decline in business volume and income of CCB Dongguan Branch under the influence of internet finance. The main reason is that there is approval time during the processing of wealth management products. There are problems such as long formalities, cumbersome procedures, lack of effective cooperation with Internet finance, and failure to reflect the advantages of bank financial security. Finally, in response to the above factors and deficiencies, it is proposed that the Construction Bank Dongguan Branch should diversify the types of personal wealth management products, enhance the customer experience, and build a service-oriented bank. Strategic partners develop new businesses and enhance bank security advantages. Key words:Internet banking China Construction Bank Personal finance Financial impact 目 录TOC \o 1-3 \h \u 一、引言 1 （一）选题背景与意义 1 （二） 文献综述 1 （三）相关的概述和定义 2 二、互联网金融对个人理财业务的影响 3 （一）互联网金融促使银行个人理财产品调节收益 3 （二）互联网金融导致银行理财客流量减少 5 （三）互联网金融影响建设银行东莞分行个人理财业务量减小 6 三、互联网金融影响下银行个人理财业务存在的问题 6 （一）个人理财产品种类少 6 （二）理财产品程序繁琐，客户体验低 7 （三） 与互联网金融缺乏有效合作