摘要人类正在踏入数字化时代，同时信息技术成为社会的主要推动力。同时现实与虚拟的边界日益模糊，大量的改革也向金融行业席卷而来。电子化的信息技术成为金融机构全新的发展逻辑。同时将引发金融行当的技术脱媒、信息脱媒以及客户关系脱媒正在慢慢淡化银行业的中介功能，代替中间业务，损失大量的客户流、传统业务的缩水，传统金融机构面临巨大变革。但鉴于商业银行的历史地位和其特殊性以及互联网金融本身存在诸多缺陷。尚今互联网金融无法将商业银行撼动或取代，所以其应加强合作，优势互补。但与此同时商业银行也需采取多种有效的预防措施和适当的风险评估策略，来迎接迎接互联网金融的崛起。23398
对我国商业银行的网络业务的现状和所面临的挑战进行多角度多方位的解析,同时运用金融创新理论以及长尾经济理论去探讨商业银行的创新策略以及发展方向。以金融创新理论观点为基础,讨论互联网金融快速发展的原因、目标。作为互联网金融的发展趋势和背景下的长尾理论为商业银行的网络业务发展带来的新思路和影响。并结合国外内的案例进行对比分析,从营销模式，销售渠道、风险管理和政策革新等几个方面提出了国内商业银行网络业务所面临的困境以及创新策略建议。
关键词：商业银行 互联网金融 第三方支付
毕业论文外文摘要Title The Study of Developing strategy for
Internet Based Economy of Commercial bank
Abstract
People nowadays are entering into a digital time, while the informational technology has become the main impetus for the society. At the same time, the boundary between the reality and virtual world becomes gradually vague which makes the digital informational technology turn into the entirely new developing logic. The whole trend would trigger the technology disintermediation, information disintermediation and client-relationship disintermediation and also weaken the function of agency in the bank. Replacing the medium business, losing a lot of clients and the shrinking of traditional business, those old financial agencies are facing a tremendous revolution. However, basing on the historical position, the specialty of the commercial bank and other defects, it is difficult for International finance to replace those traditional business banks in recent years. Therefore, we should put these two kinds of form together, combining their advantage to make more profits.
This article will explain the current situation of the net business of the traditional bank and the challenge they have to face in multi-aspect. What’s more, we would also use the innovative thesis and the long tail theory to discuss the innovative strategy and developing direction of the bank. Basing on those financial innovative theories, we could discuss the cause and target of the Internet finance’s rapid development. As the trend and background of the Internet finance, the long tail theory would bring new thoughts and influence to traditional banks’ Internet business. By combining cases from at home and abroad, we could compare each other and offer advices to deal with the predicament that the traditional bank facing in many aspects.
Key words: Commercial bank Internet finical Third party payment
目 次
1 引言 1
1.1 研究背景和意义 1
1.2 研究目的与框架结构 2
1.3 研究方法 2
2 相关理论 4
2.1 金融创新理论 4
2.2 蓝海战略 4
2.3 长尾战略 5
3 商业银行与互联网的发展现状分析 7 商业银行互联网金融发展策略研究:http://www.youerw.com/jingji/lunwen_16428.html