摘要本文主要研究互联网金融发展对于商业银行的影响以及商业银行应采取怎样的对策来应对这种影响，实现自身的可持续发展。通过探究互联网金融影响商业银行经营模式和管理模式等具体要点，对商业银行提出指导性建议，对未来商业银行更好的适应互联网金融发展有一定的指导意义。通过分解互联网金融对商业银行影响的步骤，提出互联网金融在短期内会影响商业银行的利润，但从长期发展来看，会促进商业银行的改革发展，走上一条与互联网金融相融合的道路。本文还探究了美国互联网金融发展的经验，如：积极创建互联网络交易平台和开展互联网信用业务，为我国商业银行的发展提供经验，本文认为商业银行自身应不断创新，努力探索与互联网金融共生共荣的新模式。51737

毕业论文关键词：互联网金融；商业银行；第三方支付；经营对策 

 Research on the Influences of Internet Financial Development and the Countermeasures of Commercial Banks 

Abstract This paper mainly studies the influence of the development of Internet banking on commercial banks and how commercial banks should take measures to deal with the impact and realize their own sustainable development. Through the investigation of specific points of internet financial impact of commercial banks operating mode and management mode, to propose suggestions for the commercial banks, the better for the future of commercial banks adapt to the development of internet banking has certain directive significance. Through the decomposition of the internet financial impact on commercial banks step, the internet banking in the short term will influence the commercial bank's profit, but from the point of view of long-term development, will promote the reform and development of commercial banks from combining banks and Internet banking. This paper also explores the financial development of the internet experience U.S., such as actively creating internet trading platform and conducting credit business in the internet, these experiences should be provided for the development of China's commercial banks. This paper argues that commercial banks should innovate unceasingly to explore a new model symbiosis with internet financial.

Key Words: Internet Finance  Commercial Bank  Third-party Payment  Management Countermeasures  

目  录

摘要1

Abstract-Ⅱ

目录Ⅲ

一 绪论 1

（一）研究背景 1

（二）研究意义 2

（三）研究方法 2

二 国内相关文献综述 2

（一） 以余额宝为例研究互联网金融发展现状 3

（二）互联网金融对商业银行的冲击 3

（三）商业银行应对互联网金融的对策 4

三 互联网金融的定义和特征 5

（一）互联网金融的定义 5

（二）互联网金融的特征 5

四 互联网金融下商业银行发展变化 6

（一）互联网金融下我国银行发展变化 7

（二）互联网金融下美国银行发展变化 9

五 互联网金融发展对商业银行的影响 11

（一）去中介化 11

（二）泛金融化