摘要我国互联网金融发展历程以2013年为分界线划为两个阶段，第一阶段属于发展较缓慢的时期，以金融的网络化与第三方支付为主，2013年以后我国互联网金融进入快速发展期。互联网金融不断创造拓展，开创各种全新的业务模式，对传统金融如商业银行产生的巨大的影响，现在互联网金融已为人瞩目。46581
对互联网金融来说电子商务的发展是推动其发展的主要因素之一，因此我对阿里巴巴集团以及其旗下几大产品为对象进行研究，以此来寻找传统商业银行如何应对的策略。本文主要通过SWOT分析阿里巴巴的三大主要金融产品，来探求互联网金融对商业银行的影响。首先对互联网金融的含义做出简述，同时用互联网金融与传统金融相对比，以此得到特点。其次，对互联网金融的理财市场和保险市场以及发展模式进行介绍。再次，对案例涉及的阿里巴巴与旗下的产品进行介绍。然后对支付宝、余额宝、招财宝进行SWOT分析，重点研究对商业银行的影响。最后，基于前文的案例分析，对商业银行如何抵挡互联网金融的攻势进行建议。
毕业论文关键词：互联网金融；商业银行；案例分析；SWOF分析
ABSTRACT
China's Internet financial was roughly pided into two stages by 2013, before2013 development of internet financial was relatively slow, it was traditional financial network and third party payment.after 2013, the Internet financial development in a high speed.Internet financial is continuous innovating and expanding, developing various of new business models,the internet financial have huge impact on commercial Banks, now the Internet financial has been concerned by society.
E-commerce one of the main reason for Internet financial development is electronic commerce, so I research the Alibaba and its subsidiary products, in order to help commercial bank find the strategy to deal with the internet financial.in this paper, through the SWOT analysis of Alibaba , three main financial products, to explore the Internet financial’s impacts on commercial Banks. First, this paper introduce the meaning of the Internet financial, at the same time analsising the internet financial compare to traditional financial. Secondly, introduce the financial markets and the Internet model of development finance. Thirdly, introduce cases Alibaba and its offerings. Then for Alipay balance treasure, trick treasure SWOT analysis, focusing on the impact on the commercial banks. Finally, based on the foregoing analysis, On how to deal with on Internet Financial to make recommendations for commercial bank
Key words:Internet Financial；Commercial Bank；Case analysis；SWOT analysis
目 录
摘 要 I
ABSTRACT II
第一章 绪论 1
1.1选题背景与研究意义 1
1.2研究内容与方法 1
1.3文献综述 2
第二章 互联网金融概述 4
2.1互联网金融的含义与特点 4
2.2互联网金融的主要模式 5
2.3互联网金融的发展现状 6
第三章 互联网金融对商业银行的影响 9
3.1互联网金融对商业银行的正面影响 9
3.2互联网金融对商业银行的负面影响 9
3.3第三方支付对商业银行的影响 9
3.4P2P网贷对商业银行的影响 10
3.5众筹对商业银行的影响 10
第四章 案例介绍————阿里巴巴集团 11 互联网金融对商业银行的影响与启示研究+SWOT分析:http://www.youerw.com/jingji/lunwen_48322.html