目录1.引言................................................................................................................31.1.1研究背景...........................................................................................31.1.2研究意义...........................................................................................3２．O2O模式的现状.............................................................................................4２．１线下能力要求高，或成P2P未来模式...................................................42.3基于社区服务的金融模式明显....................................................................5２．４越来越多元化..........................................................................................63.对地方银行的影响..................................................................................................73.1地方银行的发展现状....................................................................................73.2金融Ｏ２O对地方银行的冲击....................................................................73.3地方银行的发展战略..................................................................................8３．３．１技术和平台创新.......................................................................8３．３．２与互联网公司联盟...................................................................9３．４地方银行的发展机会..............................................................................9３．５互联网时代地方银行的需要做出的改进.............................................10４．结语....................................................................................................................11５．参考文献............................................................................................................11摘要O2O(OnlineTooffline)是近些年来逐渐兴起的商业模式。李开复说过：“你如果不知道O2O，至少知道团购，但团购只是冰山一角，只是第一步。”现在O2O的巨幅画卷正逐渐展开，来自餐饮、家居定制、旅行预订等领域的多元化模式正在出现。从银行的视角来看，不管是试水互联网提供网上银行服务，还是谈业务创新，或是涉足电子商务，在同业竞争日趋激烈、第三方企业不断侵蚀传统银行业务领地的情况下，O2O的确是银行已经在尝试、并且还有很大深耕空间的领域。当前，随着互联网金融的崛起，从微信银行、银行APP的火热，再到今年各家银行竞相推直销银行，互联网金融的崛起，商业银行的运营方式也在随着互联网新思维的突破而发生改变。“O2O模式”正在成为银行探索互联网金融的一个热点领域，也是银行极力推进的一次渠道革命。本文主要分析O2O模式的现状，并通过对有关概念的理解，分析金融业O2O模式对地方银行业发展的影响，并为完善O2O模式提出建议。关键词：金融O2O,互联网新思维，热点，突破AbstractO2Oisabusinessmodelthatisgraduallyrisinginrecentyears.LiKaifusaid:"ifyoudon'tknowO2O,atleastknowtobuy,butbuyonlythetipoftheiceberg,justthefirststep."Nowo2ohugepictureisunfolding,fromcatering,customhome,travelreservationsandotherareasofdiversificationpatternsareemerging.Fromthebank'spointofview,nomatteristotestthewatersoftheInternettoprovideonlinebankingservices,ortalkaboutbusinessinnovation,orisinvolvedinelectroniccommerce,intheincreasinglyfiercecompetition,third-partycompaniescontinuetoerodetheterritoryofthetraditionalbankingbusiness,o2oisindeedbankshavetotry,andthereisstillalotofdeepspacefield.Atpresent,withtheriseoftheInternetbanking,fromthemicrochannelbank,bankAPP'sfiery,andthentothebankscompe...
