互联网金融的发展及其对传统金融业的影响研究
毕业论文关键词：互联网金融、发展现状、风险分析、发展趋势、影响、对策建议
The development of the Internet financial and research on the influence of the traditional financial sector
Abstract: With the development of economic and financial globalization and integration trend of the further enhancement, our country financial industry development has entered the stage of internet finance. The rapid development of internet financial ,to meet the needs of information technology innovation, the development of the financial institutions and the innovation of the commercial bank business, has a promoting effect. Internet financial impact on commercial bank has two sides, the negative effect is weakened the intermediary role of commercial banks, the impact of business operations, positive role is to promote the innovation of product of the commercial banks technology and service .Commercial banks in the case, have to take the consumer demand and the innovation of technological as the guidance, in order to find the way which is long-term development. The gift to our country and the development trend of the internet financial risk are analyzed, and adopt the method of comparative analysis to study the respective advantage of internet financial and commercial banks, and then clarify the internet financial impact on commercial banks, and based on this, it gives the suggestion of how to deal with the internet financial shocks.
Key Words：Internet finance、development present situation、risk analysis、development trend and impact、countermeasures and suggestion
目 录
一、引言 - 2 -
（一）研究背景 - 2 -
（二）研究意义 - 2 -
(三)研究方法 - 3 -
二、我国互联网金融的发展现状、发展趋势与风险 - 3 -
（一）我国互联网金融的发展现状分析 - 3 -
（二）我国互联网金融发展趋势 - 5 -
（三）我国互联网金融风险分析 - 8 -
（四）我国互联网金融的优化措施 - 9 -
三、互联网金融对我国商业银行的影响 - 12 -
（一）互联网金融与商业银行比较分析 - 12 -
（二）互联网金融对商业银行的影响分析 - 14 -
四、对策建议 - 18 -
（一）转变商业银行经营理念 - 18 -
（二）商业银行应调整经营战略 - 18 -
（三）商业银行应摆正心态，积极应对 - 19 -
五、结论 - 19 -
参考文献 - 1 -
一、引言
（一）研究背景
在世界经济全球化高速发展的大背景下，我国的金融业也随之快速发展，已经进入了互联网金融阶段。尤其是近几年，我国网民数量大规模增加，其中大部分的网民为八零九零后，习惯网络消费，这也成为我国互联网快速发展的积极因素。在2014年，互联网金融被写入了我国政府工作报告中，由此可以看出我国十分重视互联网金融的发展。互联网金融的快速发展，对于满足信息技术的革新、金融机构的发展、商业银行业务的创新等方面都有促进作用。而且其对商业银行的影响具有两面性，消极作用是弱化了商业银行的中介地位，冲击了商业的业务，积极作用是推动了商业银行技术产品与服务产品的创新。商业银行在此情况下，不得不以消费者需求和技术创新为导向，探索出长远发展之路。
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