摘要：近年来，互联网金融凭借大数据以及云计算技术迅速发展，第三方支付、网络融资等互联网金融产品以势如破竹之势抢占了大量的金融市场，其爆发式的增长对商业银行的借贷业务及支付体系造成了巨大的冲击。商业银行不得不改变原有的价值体系，放弃“二八定律”，吸纳互联网技术进行突破性技术创新以顺应时代发展的需求。本文通过案例数据分析互联网金融近几年的发展状况，剖析其特点及优劣势，客观地展现互联网金融对商业银行经营状况的影响，整合案例分析及文献研究法，从价值体系的角度找寻商业银行应对互联网金融冲击的应对策略，最终得出了以下四条措施：建立大数据分析处理平台；建设贴心型商业银行；丰富服务渠道和产品；加强复合型人才的培养。

关键词：互联网金融；商业银行；价值体系

Research on the Impact of Internet Finance on Commercial Banks and Its Countermeasures

Abstract：In recent years, the Internet finance has developed rapidly with big data and cloud computing technology, third party payment, network financing and other internet financial products have seized a large number of financial markets on regardless, its explosive growth has a big impact on the loan business and payment system of commercial banks. Commercial banks have to change the original value system, to give up the "Pareto principle", to absorb the internet technology to break through technological innovation to meet the needs of the development of the times. This paper analyzes the development situation of internet finance in recent years through the case data, analyzes its characteristics and disadvantages, and objectively reveal the influence of internet finance on the business situation of commercial banks, combines case analysis and literature research, seeks the countermeasures of commercial banks to deal with the impact of internet finance from the angle of value system, finally comes to the following four measures: the establishment of big data analysis and processing platform; building intimate commercial banks; rich service channels and products; strengthen the training of compound talents.

Keywords: Internet Finance; Commercial Banks; Value System

目录

0引言1

1互联网金融发展概述.1

1.1互联网金融简介1

1.2互联网金融的分类.1

1.3互联网金融的特点.6

2互联网金融发展过程中存在的风险.8

2.1技术风险8

2.2法律风险8

2.3操作风险8

2.4经营风险9

2.5人才风险9

3互联网金融对商业银行的冲击..9

3.1商业银行发展概述.9

3.2商业银行基本情况介绍..10

3.3互联网金融对商业银行的冲击..11

4商业银行应对互联网金融冲击的对策研究13

4.1建立大数据分析处理平台13

4.2建设贴心型银行..14

4.3丰富服务渠道和产品.14

4.4加强复合型人才培养.15

结论.16

致谢.17

参考文献18

互联网金融对商业银行的冲击及其对策研究

0引言

在过去的三到四年中，互联网金融在我国的发展取得了显著的进步，网络融资、网络支付以及网络理财蓬勃发展，阿里巴巴在2013年6月份公布余额宝这一互联网货币基金，半年后，其规模就超过5000亿元；今年三月末，余额宝资产净值达1.14万亿元，一跃成为国际第一大货币市场基金。连年来，随着大数据和云计算等互联网技术的逐渐完备以及互联网技术与金融技术的交融，互联网金融展示出了势不可挡的发展势头。现在互联网金融逐步呈现出跨界化、去中介、分布式以及智能化等特征，标志着我国互联网金融进入“2.0阶段”。