摘要............................................................................................................................I 目录........................................................................................................................III 图清单..........................................................................................................................VI 表清单......................................................................................................................VIII 1绪论............................................................................................................................1 1.1研究背景及意义....................................................................................................1 1.2理论基础和文献综述............................................................................................3 1.3研究思路和研究方法..........................................................................................10 1.4技术路线图..........................................................................................................11 2互联网金融发展概况..............................................................................................12 2.1互联网金融概念、特点及功能..........................................................................12 2.2国内外互联网金融发展概况..............................................................................15 3徐州邮储银行个人信用消费贷款发展现状分析..................................................18 3.1徐州邮储银行发展概况.......................................................................................18 3.2徐州邮储银行个人信用消费贷款的发展现状..................................................19 4互联网金融对邮储银行个人信用消费贷款的影响分析......................................31 4.1对邮储银行信用消费贷款带来的冲击..............................................................31 4.2为邮储银行个人信用消费贷款带来的机遇......................................................32 4.3对个人信用消费贷款营销方式的影响..............................................................33 4.4对个人信用消费贷款决策的影响......................................................................34 4.5对个人信用消费贷款贷后管理的影响..............................................................35 4.6互联网金融背景下邮储银行信用消费贷款存在的问题..................................36 5徐州邮储银行个人信用消费贷款业务应对互联网金融冲击的对策分析.........38 5.1互联网金融背景下邮储银行个人信用消费贷款业务发展SWOT分析............38 5.2邮储银行个人信用消费贷款业务互联网化转型发展策略..............................43 6结论及展望..............................................................................................................49