摘要随着我国利率市场化及金融同业市场的竞争日益激烈，商业银行在业务创新和资源配置方面的竞争也趋向于白热化。互联网金融业务在产品、客户、政策、队伍等诸多方面的竞争明显加剧。由于我国金融体系管理的特殊性，国外学者对银行互联网金融战略的研究成果较为成熟，只能借鉴，实际操作难度大。在我国，实行银行互联网金融战略制度的时间不是很长，在银行互联网金融战略方面，无论是对组织银行互联网金融战略，还是对金融企业互联网金融战略研究，尤其是具体银行在新形势下转变创新策略的研究较少。因此，对银行互联网金融战略仍有很大的研究空间。43324

本文研究表明：通过数据及实证分析，在互联网金融的冲击下，商业银行也开始反思固有的业务模式，逆流而上，通过开展精准理财服务、提高用户体验，全力满足客户的个性化需求、推行适合互联网时代的营销方式，提高服务质量、完善互联网金融人才储备与考核制度和加强对互联网金融的监管，实现与互联网金融的“双赢”。

毕业论文关键词：互联网金融；商业银行；实证分析；创新策略；监管

 Internet Financial Development on Commercial Banks Effects and Countermeasures

Abstract

With the competition of the interest rate market and financial interbank market increasingly fierce competition in the commercial banking business innovation and resource allocation also tends to be intense. Internet competition in financial services product, customer, policy, and many other aspects of the team significantly increased. Due to the special nature of the management of China's financial system, foreign scholars research on the Internet bank financial strategy is more mature, can only learn from the actual operation is difficult. In China, the implementation of the bank line financial strategy system time is not very long in the banking Internet banking strategy, both for the organization Bank Internet banking strategy, or financial business line financial strategy research, especially concrete bank into innovation in the new situation less research strategy. Therefore, the Internet bank financial strategy is still much research space.

This study showed that: the data and empirical analysis, in the Internet financial impact, commercial banks began to reflect on the inherent business model, upstream, by conducting accurate financial services, improve the user experience, to meet customer's inpidual requirements, the implementation of suitable age of the Internet marketing, improve service quality, improve the talent pool of Internet financial evaluation system and strengthen supervision of Internet banking and Internet banking to achieve "winwin."

Key Words: Internet banking；  commercial Bank;  Empirical Analysis;      Innovation Strategy；  Supervision

目  录

摘要1

AbstractⅡ

一、导论 1

（一）研究背景与意义 1

（二）国内外研究文献综述 1

（三）研究目标、内容和方法2

二、互联网金融概论3

（一）互联网金融定义3

（二）互联网金融模式分类3

（三）互联网金融发展现状及趋势 4

三、互联网金融对商业银行业务的冲击5

（一）互联网金融对商业银行业务影响的综述5

（二）互联网金融对商业银行业务的冲击5

四、互联网金融对商业银行的影响的实证分析6

（一）商业银行经营状况描述性统计分析8

（二）互联网金融对商业银行的影响的建模分析9

（三）模型参数估计10

（四）实证分析结论10

五、商业银行与互联网金融共赢对策11