近年来，我国的互联网技术日益完善，使得“互联网+”这种发展模式逐步得 到了各个行业的广泛应用。各大公司开始运用互联网平台的信息通信技术，将互联 网融入到传统行业当中，这不仅使得原有的行业发展模式被打破，而且为整个行业 打造出了一个全新的生态发展模式。互联网金融是指互联网技术与金融市场的有机 结合，以阿里的蚂蚁金服、腾讯的财付通为代表，短短十几年就取得了突飞猛进的 发展，并逐步被社会大众所接受。互联网金融企业的蓬勃发展，极大的改变了人民 的投资渠道、消费习惯和支付习惯，对传统银行业产生了巨大的冲击。 河北省农村信用社一直以来作为河北的银行业中的一个重要部分，自成立伊始 就以服务三农为本，是河北地区农村金融的中坚力量。近些年来，随着互联网金融 的不断发展，河北省农村信用社也处在了一个竞争加剧的环境之中。面对互联网金 融发展所带来的这些挑战，河北农信也必须做出改变并且研究出适合的发展对策， 推出自己的互联网金融平台，从而在越发激烈的竞争环境下获得生机。 本文通过对国内现有互联网金融企业的发展模式来对互联网金融企业进行分 析，同时采取PEST理论和五力模型理论来分析河北农信的发展现状，然后设置调 查问卷，从客户角度来为河北农信的发展搜集数据，以客户需求为主导来提供河北 农信的发展对策，同时为了将互联网金融更好的融入到河北农信当中，提出了相应 的意见与建议。 关键字：河北农信；互联网金融；冲击；调查问卷 II ABSTRACT Inrecentyears,theapplicationofInternettechnologyinChinahasdeveloped rapidly.Inallprofessionsandtrades,thedevelopmentmodelof“Internet+”hasbeenset up.ByusingtheinformationandcommunicationtechnologyoftheInternetplatform,the Internetcanbeintegratedwithtraditionalindustries,breakingtheoriginalindustry developmentmodelandcreatinganewindustrialeco-developmentmodel.Atpresent,the vigorousdevelopmentofInternetfinancerepresentsthecreativecombinationofInternet technologyandfinancialmarket.WithAlibaba’sAntFinancialServicesandTencent’s Tenpayasrepresentatives,theInternetfinancehasdevelopedvigorouslyinjustovera decade,andhasbeenrecognisedbythepublic.ThedevelopmentoftheseInternet financialenterpriseshaschangedpeople’sinvestmentchannels,consumptionhabitsand paymenthabits,andhashadatremendousimpactonthetraditionalbankingindustry. TheruralcreditcooperativesinHebeiProvincehavealwaysbeentheimportantpart ofthebankingindustryinHebeiProvince.Sincetheinception,theyhavebeenputthe issuesconcerningagriculture,countryside,andfarmerasthecoreandtheyarethe backboneofruralfinanceinHebeiProvince.Inrecentyears,alongwiththecontinuous developmentofInternetfinance,theruralcreditcooperativesinHebeiProvinceareinan environmentofincreasedcompetition.Facingthesechallengesbroughtbythe developmentofInternetfinance,theymustmakechangesandstudyappropriate developmentstrategies,launchtheirownInternetfinancialplatform,soastogainvitality intheincreasinglyfiercecompetitiveenvironment. ThroughtheanalysisofthedevelopmentmodeofInternetfinancialenterprisesin China,thispaperadoptsPESTtheoryandFiveForcesModeltheorytoanalysethe developmentstatusoftheruralcreditcooperativesinHebeiProvince,andthensetsup questionnairestocollectdatafortheirdevelopmentfromtheperspectiveofcustomers, andprovidesthedevelopmentcountermeasuresoftheruralcreditcooperativesinHebei Provincewithcustomerdemandastheleadingfactor,puttingforwardthedevelopment directionofcombiningtheruralcreditcooperativesinHebeiProvincewiththeInternet finance. KEYWORDS:theruralcreditcooperativesinHebeiProvince,Internetfinance, impact,questionnaire 河北地质大学硕士学位论文 III 目录 摘要......................................................................................................................................I ABSTRACT...........................................................................................................................II 第一章绪论.........................................................................................................................1 1.1课题研究的背景和意义.........................................................................................1 1.1.1研究的背景.................................................................................................1 1.1.2研究的意义.................................................................................................1 1.2国内外研究综述.....................................................................................................3 1.2.1国内研究现状.............................................................................................3 1.2.2国外研究现状.............................................................................................4 1.3研究内容.................................................................................................................5 1.4研究创新点.............................................................................................................6 第二章理论基础与方法基础.............................................................................................7 2.1理论基础.................................................................................................................7 2.1.1PEST分析模型............................................................................................7 2.1.2波特三大基本竞争战略理论.....................................................................8 2.1.3五力分析模型.............................................................................................9 2.2方法基础...............................................................................................................10 第三章互联网金融相关概念及发展现状和存在的问题...............................................12 3.1互联网金融概念...................................................................................................12 3.2互联网金融相关理论...........................................................................................12 3.2.1长尾理论...................................................................................................12 3.2.2用户体验理论...........................................................................................13 3.2.3金融脱媒理论...........................................................................................13 3.2.4平台经济理论...........................................................................................13 3.3互联网金融的4种模式及发展现状...................................................................14 3.3.1P2P.............................................................................................................14 3.3.2第三方支付...............................................................................................15 3.3.3众筹...........................................................................................................16 3.3.4网络理财...................................................................................................17 3.4互联网金融存在的问题.......................................................................................17 互联网金融形势下河北省农村信用社发展对策研究 IV 3.4.1互联网金融平台风控不足.......................................................................17 3.4.2平台信息披露机制不够完善...................................................................18 3.4.3互联网金融产品存在流动性风险...........................................................18 3.4.4互联网金融产品不稳定...........................................................................18 第四章河北省农村信用社发展现状...............................................................................19 4.1河北省农村信用社概况.......................................................................................19 4.2河北省农村信用社现有金融产品特点...............................................................20 4.2.1存款类业务...............................................................................................20 4.2.2贷款类业务...............................................................................................21 4.2.3电子银行业务...........................................................................................22 4.2.4票据业务和中间业务.......................................................