互联网金融对我国商业银行的影响研究

摘要过去很长一段时间以来，我国商业银行依靠其雄厚的资金、优质的服务、良好的信誉在金融领域处于领导地位。然而随着经济高速发展，云计算、搜索引擎、大数据等现代网络技术的广泛运用，P2P 网贷、第三方支付、众筹融资等互联网金融模式的产生，金融业迎来崭新时代。由于互联网金融出现，商业银行的垄断地位被打破，支付结算、资金借贷等业务受到严重冲击。面对互联网金融来袭,我国商业银行要想取得胜利，就必须奋力反击，全面分析当前经济形势，寻找发展方向，积极进行战略转型。所以，研究互联网金融的发展对我国商业银行影响，对其发展具有重要理论和现实意义。88808

ABSTRACT Over the past few decades, China’s commercial bank has been a leader in the financial sector because of its abundant funds, quality services, good reputation。 However, with the rapid development of economy, cloud computing, big data, search engines and other modern network echnology is widely used, p2p net loan, third-party payment, crowdfunding, and other Internet financial model has come out , The financial industry ushered in a new era。 With the emergence of the Internet financial, the monopoly position of commercial banks is completely broken, payment and settlement, capital lending and other traditional financial business suffered serious impact。 Face the strong attack of the Internet financial, If commercial banks want to win in this game, they must strive to fight back, and comprehensive analysis of the current economic situation, looking for the direction of its future development, and actively carry out strategic transformation。 Therefore, study on ransformation of China's commercial banks under the impact of the Internet finance related issues has great theoretical significance and practical significance to the development of commercial banks。源Q于D优G尔X论V文Y网wwW.yOueRw.com 原文+QQ75201`8766

毕业论文关键词：互联网金融；商业银行；应对策略

Keywords: Internet Finance; Commercial Bank; Countermeasure

一、引言 1

二、互联网金融对我国商业银行的影响分析 2

（一）对我国商业银行支付业务的影响 2

（二）对我国商业银行存款业务的影响 4

（三）对我国商业银行贷款业务的影响 6

（四）对我国商业银行理财业务的影响 7

（五）对我国商业银行盈利模式的影响 8

三、我国商业银行创新发展的对策与建议 9

（一）加快变革传统经营理念 9

（二）建立新型金融服务平台 9

（三）以客户需求为出发点 9

（四）加强与互联网企业的From优T尔K论M文L网wWw.YouERw.com 加QQ75201^8766 战略合作互联网金融对我国商业银行的影响研究:http://www.youerw.com/jingji/lunwen_168100.html