毕业论文未改动.doc

北京城市学院2015届毕业论文学生姓名：班 级：专 业：学 部：指导教师：年月 Ping An Bank financial investigation of the use of the Internet to mobile banking and one wallet for example 学生： 班级： 学号：学部： 专业： 指导教师： 职称： 工作单位： 毕业论文完成时间： 自 年 月 至 年 月 摘要 随着互联网技术的快速发展，以第三方支付、网络借贷、众筹融资、电子银行等为代表的互联网金融快速崛起。互联网金融的蓬勃发展，推进了传统金融业转变理念，创新模式，变革服务，拓宽渠道以更快的跨入新常态。面对着互联网金融广阔的发展前景，新形势下商业银行应如何顺势而为，融入互联网，参与互联网，是值得研究的现实问题。本文以平安银行为例，通过对其北京市财满街支行的调研，在对互联网金融理论进行总结归纳的基础上，联系我国互联网金融发展现状和平安银行互联网金融使用实际情况，查找出平安银行互联网金融发展中所存在的突出问题，如风险问题、监管问题、客户感受等，并据此从积极做好防控、有效规避风险，推进监管改革、促进行业自律，以及创新产品服务、提升客户满意度等多个方面提出了平安银行发展互联网金融的策略选择。通过对平安银行互联网金融使用情况的调查，可以查找出我国商业银行在互联网金融业务创新中存在的问题，为商业银行在该领域的业务发展提供经验，同时对如何有效监管互联网金融，促进我国金融业的持续健康发展，希望提供我的思路和建议。 关键词：互联网金融；平安银行；调查分析 Abstract With the rapid rise of the rapid development of Internet technology to third-party payment, online loans, all to raise financing, electronic banking as the representative of Internet banking. Internet booming finance and promote the transformation of the traditional concept of the financial industry, innovative models, transformation services, expand into new channels to normal faster. Facing broad prospects for development of Internet banking, commercial banks under the new situation should be how the flow, into the Internet, participation in the Internet, is worth studying reality. In this paper, Ping An Bank, for example, through research Caimanjie its Beijing branch, on the basis of Internet financial theory summarized on the status quo of Chinas Internet connection financial development and Ping An Bank Internet banking uses the actual situation, find out the Ping An Bank prominent problems existing in the development of Internet banking, such as risk, regulatory issues, customer experience, etc., and thus from actively making prevention and control, effectively avoid risks, promoting regulatory reform, promoting industry self-regulation, as well as innovative products and services, improve customer many aspects of satisfaction