| ACKNOWLEDGEMENTS | 第4-5页 |
| ABSTRACT | 第5-6页 |
| 摘要 | 第7-8页 |
| LIST OF ABBREVIATIONS | 第8-19页 |
| 1 Introduction | 第19-23页 |
| 1.1 Background | 第19页 |
| 1.2 Significance and Purpose | 第19-20页 |
| 1.3 Methods of Research and Innovation | 第20-23页 |
| 1.3.1 Methods of Research | 第20-21页 |
| 1.3.2 Innovations | 第21-23页 |
| 2. Literature Review | 第23-31页 |
| 2.1 Introduction of Strategic Management Theories | 第23-28页 |
| 2.1.1 Definition of Strategic Management | 第23页 |
| 2.1.2 Development Introduction of Strategic Management Theories | 第23-24页 |
| 2.1.3 SWOT Analysis | 第24-26页 |
| 2.1.4 Porter’s Competition Strategies | 第26-28页 |
| 2.2 Domestic Research Status of IOF | 第28-31页 |
| 3 Definition & Characteristics of IOF | 第31-36页 |
| 3.1 Definition of IOF | 第31-32页 |
| 3.2 Characteristics of IOF | 第32-33页 |
| 3.2.1 Inclusive Finance | 第32页 |
| 3.2.2 Platform Finance | 第32页 |
| 3.2.3 Information Finance | 第32-33页 |
| 3.2.4 Fragment Finance | 第33页 |
| 3.3 Relationship between Traditional Finance and IOF | 第33-36页 |
| 3.3.1 Traditional Finance is The Basis for IOF | 第33-34页 |
| 3.3.2 Improvement and Challenges for Traditional Finance | 第34-36页 |
| 4 Patterns and Developments of IOF | 第36-43页 |
| 4.1 Patterns and Developments of IOF | 第36-40页 |
| 4.1.1 Third Party Payment | 第36-37页 |
| 4.1.2 Internet Financing Modes | 第37-38页 |
| 4.1.3 Investment Plan Mode | 第38-40页 |
| 4.2 Commercial Banks’ Response to the Development of IOF | 第40-43页 |
| 4.2.1 Joining with Direct Sales Banking | 第40页 |
| 4.2.2 E-commerce Platforms | 第40页 |
| 4.2.3 Online Bank Transition | 第40-41页 |
| 4.2.4 Expand Mobile Banking | 第41页 |
| 4.2.5 Banking Services on Social Platforms | 第41页 |
| 4.2.6 Online Supply Chain Banking | 第41-42页 |
| 4.2.7 Physical Office Upgrades | 第42页 |
| 4.2.8 Offline Services Online | 第42-43页 |
| 5 Case Analysis of the GRC Bank | 第43-69页 |
| 5.1 The Development of IOF in GRC Bank | 第43-48页 |
| 5.1.1 Overall Development Condition of GRC Bank | 第43-44页 |
| 5.1.2 Development Path of Electronic Banking | 第44-45页 |
| 5.1.3 Development of Electronic Banking | 第45-48页 |
| 5.2 SWOT Analysis | 第48-59页 |
| 5.2.1 Advantages | 第48-51页 |
| 5.2.2 Disadvantages | 第51-53页 |
| 5.2.3 Opportunity | 第53-55页 |
| 5.2.4 Threats | 第55-58页 |
| 5.2.5 Limitation | 第58-59页 |
| 5.3 Breakeven Model by“Long Tail Theory” | 第59-66页 |
| 5.3.1 Long Tail Theory | 第59-60页 |
| 5.3.2 Contribution of the Tail Customers，GRC Bank as Example | 第60-63页 |
| 5.3.3 Breakeven Model of Inclusive Finance | 第63-64页 |
| 5.3.4 Profit Model of Inclusive Finance | 第64-66页 |
| 5.4 Problems on GRC Bank in Developing IOF | 第66-69页 |
| 5.4.1 Lack of Data Resources and Data Mining Capabilities | 第66页 |
| 5.4.2 Lack of Customer Acquisition Capability | 第66-67页 |
| 5.4.3 Risk Control Management Capacity Needs to Be Strengthened | 第67页 |
| 5.4.4 Banking Outlets Advantage Becomes Burden | 第67页 |
| 5.4.5 Regulatory Policies and Regional Development Restrictions | 第67-69页 |
| 6 Countermeasure for GRC Bank | 第69-82页 |
| 6.1 Data Mining: Rural E-Commerce Platform | 第69-71页 |
| 6.1.1 Establish Self-owned Rural E-Commerce Platforms | 第69页 |
| 6.1.2 Co-operate with Internet Companies | 第69-70页 |
| 6.1.3 Comprehensive Banking Service Platform | 第70-71页 |
| 6.2 Enhance Customer Acquisition Capability: Innovation of Business Channel | 第71-74页 |
| 6.2.1 Online Direct Sales Banks | 第71-73页 |
| 6.2.2 Offline Society Banks | 第73-74页 |
| 6.3 Enhance Risk Control Capability: Risk Control System Based on Big Data | 第74-77页 |
| 6.3.1 Improvement of Data Processing Ability | 第74-76页 |
| 6.3.2 Risk Control System Built on Big Data | 第76页 |
| 6.3.3 Product & Service Innovation in IOF | 第76-77页 |
| 6.4 Broaden Customer Channels: Transformation of Banking Outlets | 第77-79页 |
| 6.4.1 Clarify the Position and Optimize the Distribution | 第77页 |
| 6.4.2 Integrate the Sections of the Banking Outlets | 第77-78页 |
| 6.4.3 Precise Marketing System Based on Big Data | 第78页 |
| 6.4.4 Mobilization of Agent Services | 第78页 |
| 6.4.5 Online-offline Connections | 第78页 |
| 6.4.6 Cross-border Innovation: Improvement of Social Abilities | 第78-79页 |
| 6.5 Breakthrough Regulatory Restrictions: Mobile Payment | 第79-80页 |
| 6.5.1 Mobile Payment | 第79页 |
| 6.5.2 Break through the limitation of Region | 第79-80页 |
| 6.5.3 Lower the Cost of Operation | 第80页 |
| 6.6 Conclusion | 第80-82页 |
| 6.6.1 Conclusion | 第80-81页 |
| 6.6.2 Deficiencies | 第81-82页 |
| REFERENCES | 第82-84页 |
