摘要伴随着以移动支付、社交网络和云计算为代表的互联网金融的迅速崛起，金融自由化、利率市场化、金融普惠化成为现实。由此，以银行业为代表的传统金融开起了一股金融互联网化的新浪潮，而互联网金融的突出特征是为客户提供个性化的服务。51351

在21世纪，互联网为商业银行的金融创新提供了战略契机，商业银行更应摈弃大而全的粗放式发展模式，通过特色化和专业化在金融价值链重构的过程中找准自己的位置，将金融创新作为满足客户需求、加强风险监控、建立持久竞争优势的重要抓手，实现数据、技术和渠道的升级改造，在新形势下提升银行业发展的质量和效率。

本文通过对互联网金融的发展模式、互联网金融对传统金融的冲击以及互联网时代下银行业未来变革趋势的分析，探讨了商业银行如何借助互联网金融进行破局，将传统服务项目与客户不断变化的需求相适应，进而依托互联网金融实现对商业银行的再造，促使传统银行不断创新发展。

毕业论文关键词：商业银行；互联网金融；创新 

 The innovative research of bank under the age of Internet banking

Abstract

With mobile payments, social networking and cloud computing as the representative of the Internet banking rising rapidly in the financial sector, and they are making financial liberalization, the interest rate market, financial inclusion into reality.  From then on, the banking industry as the representative of the traditional financial started a financial internet wave. The biggest feature of internet banking is constructing the varied scene to different customers. 

In the 21st century, Internet provides a strategic opportunity to commercial banks, Commercial banks should abandon the extensive and complete mode of development, and identify their location through the characteristics and specialization in the process of financial value chain reconstruction. Using the financial innovation as an important starting point to meet the customer demand, the strengthen risk monitoring and the important step to establish a lasting competitive advantage, to upgrade technology and channels and to improve the quality and efficiency of the banking industry in the new situation. 

This assay is standing the aspects of the model of Internet banking, the traditional financial attacks on the Internet and Internet banking and the future trend of the internet era of banking reform to discuss the way to break the ascendant using the internet commercial banks, to adapt the traditional service items to the changing needs of customers, and to manage model for recycling relying on the information, then to achieve the interoperability between the internet financial and traditional financial, and finally achieve common development.

Key Words: commercial banks； internet financial； innovative

 目  录

摘要..Ⅰ

Abstract.Ⅱ

目录Ⅲ

一、绪论 1

（一）研究背景 1

（二）研究目的及意义 1

（三）文献综述 2

二、互联网金融概述 3

（一）互联网金融定义 3

（二）互联网介入金融领域的原因 3

（三）我国互联网金融发展现状 4

（四）我国互联网金融的发展模式 5

三、互联网金融对传统金融的冲击 8

（一）实体营业网点缩减与工作人员的减少