The transition from traditional banking to mobile internet finance:an organizational innovation perspective-a comparative study of Citibank and ICBC

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.FinTech is expected to overturn the traditional banking business model,forcing banks to upgrade and transform.This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China(ICBC)and Citibank.It analyzes the strategies,organizations,HR systems,and product innovations adopted by these two banks in response to the impact of FinTech.This paper proposes an“electric vehicle”mode for ICBC and an“airplane mode”for Citibank.Further,it describes the difficulties encountered by the Chinese banking industry and proposes some feasible ways to upgrade.“Technology power”will become the core competitive concept for the financial institutions of the future.

The Mechanism of Internet Finance on the Assets and Business of Commercial Banks in China

Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their low cost,high efficiency,and diversification characteristics,an increasing number of people are utilizing Internet finance for their businesses.This trend significantly affects traditional commercial banking operations and presents challenges.In order to gain competitive advantages through Internet finance,this paper explores how commercial banks can leverage their traditional business models.It introduces the concept,model,and characteristics of Internet finance;analyzes the importance of asset management for commercial banks;examines the influence of Internet on commercial bank’s asset management;finally proposes countermeasures for the development of Internet finance.It is advocated that commercial banks should actively explore the road of“structured finance”with all-round structural reform in the future.

Factors Affecting Internet Banking Adoption: An Application of Adaptive LASSO

This research investigates a broad range of possible factors affecting the adoption of new technology in the banking industry using adaptive LASSO and a standard logit model.The research integrated the adoption of the innovation framework and the technology acceptance theory to develop a conceptual framework for the analysis.Primary data was collected from 400 bank customers in North Cyprus.Risk perception and other customerspecific factors such as perceived risk index and negative attitude toward new technologies index were formulated for the proposed conceptual model.The findings indicated that individuals with a negative attitude toward new technology are least likely to adopt internet banking.In addition,the logit model suggested that age,education level,and general(innate)innovativeness significantly impact the adoption of internet banking.However,gender,income,occupation,perceived risk,familiarity with the internet,and social inclusion have no significant impact on internet banking adoption in North Cyprus.

Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

With the entry to WTO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks' perceived increase in Internet banking investment has no difference between big banks and small banks.

Diminutive Usage of Internet Banking： A Malaysian Case Study

As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-banking practices. The usage rate of e-banking in a top international commercial bank in Malaysia is rather diminutive compare to its other bases in countries like Singapore, China and India. Interestingly, it is on decreasing mode year by year. This study aimed to offer a good set of information of the factors influencing low usage and possibilities to suggest ways to increase the usage among the bank customers. In this study, a comprehensive survey data gathering were used to collect and analyze the respondents and results indicate that ease of use is the most significant contributor to the low usage. 204 valid feedbacks were obtained from the SCM bank＇s customers, with the research indicating that e-banking still has a gap to fill between customers, the bank and the e-system in maximizing the desire of existing clients to go over the net.

The Financial Impact of the Internet on the Analysis of Commercial Banking

As we all know, the development of Internet-based financial model of commercial banks have impacted the traditional banking business, but this much impact in the end, whether commercial banks caused a fatal impact, this article will focus on the analysis.

Discussion on Consumer Credit Business of Traditional Commercial Banks under Internet Finance

With the advent and development of the information age,the Internet has become the current advancement in all walks of life.The popularization of e-commerce also gives birth to Internet finance.The emergence of consumer credit businesses such as“Yu‘ebao”and“Huabei”has put great pressure on the consumer credit business of traditional commercial Banks.Under the background of Internet finance,in order to promote the development of commercial Banks’consumer credit business,it is necessary to strengthen the innovation of commercial Banks’consumer credit business and meet the development demand of the current information age.

Research on the Reasonable Strategy of the Development of Commercial Banks under the Perspective of P2P Internet Financial Risks

In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.

基于云计算架构的银行数字化转型研究——以武汉众邦银行股份有限公司为例

银行的数字化转型并不等同于信息化,也不只是对数字技术的简单使用,还带来新的业务形态和管理方式。因此,为满足银行数字化转型带来的海量数据处理与业务快速多变的诉求,武汉众邦银行股份有限公司(以下简称“众邦银行”)探索开发了可以实现数据共享和弹性扩展的云计算金融架构。聚焦云计算的特点以及对银行数字化转型的技术路线,运用单案例分析方法,收集与众邦银行有关的二手公开资料并通过调研访谈和会议等形式获取一手资料,对该银行基于云计算架构设计的数字化转型路径进行分析。结果发现:众邦银行构建的云计算金融架构与银行数字化转型过程中主要关注的三大问题——数据安全与网络安全、数据整合与数据共享、业务弹性扩展与系统升级具有高度的契合性;同时,云计算通过产品快速开发、服务敏捷提供和系统智能运维三大路径推动银行数字化进程,使得该银行具备更强的产品创新能力、更快的金融服务能力和更便捷的运营维护能力。经测算,众邦银行在使用云计算之后,运维人力成本降低近50%,硬件使用成本降低30%左右。

Internet网络与林业文献信息资源共享初探

本文简介了Internet网络及其功能，并对该网络对文献信息资源的影响以及实现林业文献信息资源与Internet网络共建共享进行初步探讨。

一种基于Internet技术的网上银行系统

叙述了一种基于浏览器/服务器结构的网上银行系统，在一台SCOUnix主机上实现实时的网上查询、网上交易，整个软件可以与原有的对公系统共享一台主机，具有投资少、开发周期短、扩展性好等优点。

新时代互联网银行企业文化研究

21世纪以来,互联网技术融入各行各业,在金融领域的应用广泛而深入。传统银行业衍生出依托互联网技术的新型金融服务模式,高效便捷、普惠大众,互联网银行因此应运而生。近年来,互联网银行业务发展迅猛,也由此形成了相应的企业文化。互联网银行企业文化强调创新,并重视普惠性。2017年以来,以习近平同志为核心的党中央高度重视金融行业的稳健发展,并多次强调金融工作的人民立场,互联网银行发展也由此进入新时代。2024年1月以来,习近平总书记提出要培育中国特色金融文化,满足人民群众日益增长的金融服务需求。值此关键时期,研究新时代互联网银行企业文化,总结提炼其要素和特点,对坚持以人民为中心的价值取向,坚持金融服务实体经济的根本宗旨,走中国特色金融发展之路,具有重大现实意义。

Internet与商业银行的未来发展

Internet在商业银行中的应用 ,引发了银行界新的科技革命和服务创新浪潮。伴随着 Internet步入银行业 ,一方面利用新的网络金融环境 ,借助于新的信息技术和金融技术 ,能使银行服务更快捷、更便利 ;另一方面银行业经营环境的演变 ,给传统的银行业务运作以至银行体制带来了巨大的冲击 ,从而对传统银行的发展提出了一系列革新要求。

互联网金融对商业银行金融业务的影响

互联网金融凭借其低成本、低门槛、便捷高效的优势获得了众多消费者的喜爱,给商业银行等传统金融机构造成了较大影响。通过分析互联网金融对商业银行金融业务的影响发现,互联网金融的便捷高效打破了传统商业银行的业务壁垒,为商业银行业务发展带来了新的机遇和挑战,促使商业银行进行金融产品创新和服务质量提高。互联网金融利用门槛低、操作便捷、随取随用等优势吸引消费者利用第三方平台进行借贷或投资储蓄,一定程度上抢占了商业银行的储蓄信贷业务。由拟合散点图可知,商业银行金融业务增长率随第三方支付规模的增加呈下降趋势。商业银行可借助互联网金融加强金融产品创新,提升金融产品的宣传效果,做好金融风险防范工作。

互联网金融对我国商业银行个人理财业务的冲击及对策研究

继互联网渗透多个行业(如通讯和零售)之后,金融领域也逐步融入了这一趋势。具有高透明度、广泛参与性、低中间成本以及优越信息处理能力的互联网金融对商业银行的个人理财业务产生了明显的影响。互联网金融对我国商业银行个人理财业务带来了巨大的冲击,但也提供了新的发展机遇。商业银行需要通过加快创新、提升服务质量、加强合作与融合、完善风险管理机制和优化内部结构等措施,来应对当下互联网金融带来的挑战,抓住新的发展机遇。

银行视角下“互联网+不动产登记”服务模式研究

随着国家持续深入推进“互联网+政务服务”改革,不动产抵押登记的“一站式”服务改革也进入攻坚时期。本文论述了“互联网+不动产登记”服务模式的实施背景和技术实现;介绍了“总对总”系统对接和“点对点”服务延伸2种对接模式,以及取得的应用成效。基于银行视角分析银行网点“互联网+不动产登记”服务存在的风险隐患与防控措施,提出优化建议与改进方向,为提升信贷业务的风险防控能力、促进营商环境持续优化、政务服务提质增效提供参考和借鉴。

Behavior Analysis of Bank into E-Commerce under Network Externalities

With the advent of Internet financial innovation,many commercial banks quietly have started to enter into the Ecommercial in order to prevent oligarchs from eroding financial market.From the perspective of industrial division,this paper reveals the nature of a phenomenon that E-commercial enterprises and banks have stepped into each other's field,which E-commerce of banks can give full play to network effects.Then it uses game theory to analyze the motions of banks to involve into E-commerce and the short-term competitive equilibrium of large incumbent Ecommercial enterprises as well.For individual rationality,the dominant strategy of banks and E-commercial enterprises is(enter,counterattack).Considering network externalities,it constructs a competing model on banks and incumbent E-commercial enterprises and simulates competitive trends and balanced results of their behaviors,which illustrates that banks can obtain network effect after choosing E-commerce strategy.

与Internet相结合建立现代化图书馆多媒体数据库

阐述了建立现代化图书馆网络多媒体数据库的条件和必要性，对多媒体在图书馆数据库中的应用进行了初步探讨，并提出图书馆软硬件建设的要求。

互联网消费信贷与传统消费信贷:互补还是替代?

近年来,随着互联网消费信贷迅速发展,其与传统消费信贷之间存在互补还是替代关系引发关注.在此大背景下,本文基于包含获客成本、申请成本与违约风险识别效率在内的信贷市场均衡模型,从理论层面阐释了互联网消费信贷与商业银行消费信贷之间存在互补性,并从中国某头部金融科技公司随机抽取2017年1月至2019年7月连续31个月50万名互联网消费信贷产品用户的海量数据进行了实证检验.结果表明:互联网消费信贷与传统商业银行消费信贷的相关性由收入效应和竞争效应共同决定,且在全样本中收入效应显著大于竞争效应,整体上呈现正向关系.进一步地,本文在引入下沉市场程度后发现,随着消费市场逐步下沉,收入效应与竞争效应此消彼长,在下沉市场表现出一定的互补性,且随着下沉程度加深,这种互补性表现得更为显著.这表明互联网消费信贷服务能够触达传统商业银行信贷无法触及到的“增量”下沉市场,促进消费升级和普惠金融发展.此外,本文还发现金融科技平台的大数据风控授信与商业银行的授信效果在下沉群体中无显著差异,并未随着消费群体下沉而发生系统性偏离.为正确认识金融科技与传统金融之间关系,进一步推进普惠金融与消费升级提供了有益启示.