摘要：近年来，由于互联网产业的不断创新，金融机制的不断改革，我国互联网金融行业迅速崛起，对我国商业银行的业务产生了巨大冲击。商业银行处于互联网金融大崛起的背景下，所受到的影响是利弊共存的。互联网金融这一新兴产业为传统金融灌输了新的运营理念，催生在互联网平台上发展新业务的想法，但同时也给传统金融带来了新的挑战。而互联网金融发展较为短暂，这就使得我国金融管理体系不能对其制定一系列有效的政策，传统金融由于互联网金融体制的不完善，也会受到一定的负面影响。本文首先阐述了互联网金融的特点、起因以及其现状。在此基础上，指出商业银行由于互联网金融发展，对其产生了冲击这一观点，以此来论述互联网金融对商业银行产生的利弊。最后，针对互联网金融新兴产业的不足，结合商业银行自身的优势，对商业银行应对互联网金融提出相关意见。70333

毕业论文关键字： 互联网金融   支付宝    商业银行应对策略

    Research on the Influence of Internet Finance on Commercial Banks

Abstract: In recent years，due to the continuous innovation of the internet industry and reform of the financial mechanism, our country’s internet finance rises quickly and it causes great impact on the business of our commercial banks. Under the background of the rise of internet financial ，the commercial banks have been affected the advantages and disadvantages. As a emerging industry，internet finance imbued with a new way of operating for the traditional financial, so it gives rise to new business ideas on the Internet platform development，but it also brings challenges to the traditional financial. The internet finance development is relatively short，this makes the financial management system in China can't formulate series of effective policies，traditional financial due to imperfect financial system from the Internet，also will be affected by certain negative impact. This article first elaborates the characteristics of the internet finance, the causes and the status. At this basis，the commercial banks due to the development of the internet finance，it has been affected. And then, to discuss the advantages and disadvantages of internet finance for commercial banks. Finally, combining commercial banks’ advantages to analyze imperfections with internet finance and give some advice on how to solve the internet finance.

    Key Words：Internet Finance，Ali pay，Commercial bank strategy

目录

一、绪论 1

   （一）研究背景 1

   （二）研究意义 1

   （三）文献综述 1

二、互联网金融的现状分析 2

   （一）互联网金融的含义 2

   （二）互联网金融的特点 3

   （三）互联网金融兴起的原因 3

   （四）互联网金融的现状 4

三、互联网金融对商业银行的有利影响 6

   （一）创新渠道的运营方式 6

   （二）创新大数据产品组合 7

   （三）加快我国商业银行业务结构调整 7

四、互联网金融对商业银行的不利影响