互联网金融对商业银行负债业务的影响.docxVIP

目录1 互联网金融的特征与发展现状31.1互联网金融的定义及特征31.2互联网金融的业务种类41.3互联网金融的优势51.3.1互联网金融的诚挚性51.3.2互联网金融的便捷性51.3.3互联网金融的普遍性52 互联网金融对银行负债业务的影响62.1银行存款负债的现状62.2银行借入负债的现状72.3银行结算负债的情况72.4银行负债业务数据分析82.4.1存款占负债总额比重82.4.2我国大型商业银行负债结构历年变化92.4.3我国大型商业银行负债结构变化趋势分析9 3 商业银行应对负债现状的积极措施 103.1商业银行资产负债管理存在的问题103.2应对负债现状的积极措施123.2.1加强数据的挖掘和积累123.2.2加强与互联网企业合作133.2.3提高普惠金融服务能力134总结14参考文献15互联网金融对商业银行负债业务的影响摘要随着互联网应用技术的飞速的发展，互联网金融对商业银行经营模式的冲击日渐明显,基于互联网平台的信用贷款模式是不同于传统商业银行经营的模式,通过互联网平台来寻找持续时间、金额、利率相互匹配的资金供求双方,可以更便捷的完成资金上的借贷。手续简单,操作迅捷,更适合个性化的需求,来满足客户的需求,越来越被广大用户认可，前景广阔。互联网金融通过利差收入大幅度缩减商业银行收入已是共识。网络金融的飞速崛起,使其价格优势推动功能发展,来推动利率市场化。互联网金融模式也逐渐打破了传统商业银行的利率固定的特点,它可以反映市场供求双方通过市场价格的偏好。互联网金融模式,将导致利率的市场化,商业银行的定价能力在之前是不受其他因素限制的而是受央行基准利率的指导。互联网金融将利用其高效、方便、低成本等特点来吸引顾客的模式。减少商业银行客户,从而影响到传统商业银行的盈利能力。AbstractInternet financial impact of commercial bank business model with the rapid and steady development of Internet technology.The network platform of credit loan is different from the operation mode of commercial bank.Both sides of capital supply and demand are dependent on the platform to find duration, amount, interest rates match each other, you can quickly complete the loan on the capital.Not only the procedure is very simple, the operation is also very simple, more suitable for individual needs, to meet the needs of customers, is recognized by the public.Internet banking greatly reduced the income of commercial banks, commercial banks, income is mainly spread income. The rapid rise and rapid development of Internet banking, so that price discovery function, to promote the interest rate market.Internet financial model to break the interest rate of commercial banks, there is a fixed characteristic, it can reflect market supply and demand sides through the market price preference, bargain.The Internet financial model, will lead to the marketization of interest rate, commercial banks pricing power is not restricted by the central banks benchmark interest rate guidance.Internet banking will make use of its high efficiency, co