摘要近年来随着网络技术的发展及普及，互联网金融已经被很多人所知晓，其发展传播速度之快，影响作用之大完全超乎人类的最初的设想。随着互联网在全球的广泛应用，在国内外掀起了一场互联网金融热潮。互联网金融的不断快速发展，对商业银行经营的影响日益明显。所以，商业银行应当主动进行变革，根据自身优势并结合互联网金融发展的现状，积极应对互联网金融，找寻到适合自己发展模式，完成转型升级。

本文从互联网金融的内涵出发，比较了国内外互联网金融发展现状，分析了互联网金融对于商业银行经营的影响，提出了商业银行面对这些变化与影响所作出的应对策略。49253

毕业论文关键词：互联网金融；商业银行；影响和策略

The influence of Internet Financial Development on commercial banks and the Countermeasures

Abstract In recent years, with the development and popularization of network technology, Internet banking has been known by many people. Its development and dissemination of the speed of the fast, the impact of the role of the original idea is beyond human. With the wide application of the Internet in the world, set off a financial boom in the Internet at home and abroad. The rapid development of Internet banking, the impact on commercial banks is becoming increasingly evident. Therefore, the commercial banks should take the initiative to change, according to its own advantages and combined with the status quo of the Internet financial development, and actively respond to Internet banking, to find suitable for their own development model, to complete the transformation and upgrading.

In this paper, starting from the connotation of Internet financial, compares the Internet financial status quo at home and abroad and analyzes the Internet financial impact of commercial bank management, put forward the commercial Banks in the face of these changes and effects of coping strategies.

Key Words：Internet banking；commercial banks；influence and strategy

 目 录

一  绪论 1

（一）研究背景 1

（二）研究意义 1

（三）研究现状 1

（四）文献综述 1

二  互联网金融概述 2

（一）互联网金融的概念 2

（二）互联网金融的发展现状 2

（三）互联网金融的特点 3

（四）互联网金融的优缺点 4

三  互联网金融对商业银行经营的影响 4

（一）互联网金融对商业银行经营地位的影响 5

（二）互联网金融对商业银行经营模式的影响 6

（三）互联网金融对商业银行经营收入的影响 6

四  商业银行应对互联网金融的策略 7

（一）从客户需求出发，推出创新金融产品 7

（二）拓展便捷支付渠道，发展手机银行移动支付 8

（三）打造综合服务平台，创新在线金融服务 8

（四）加强各领域合作，实现共利互赢 8

（五）根据银行组织结构，重塑业务流程服务体系 8