互联网金融对商业银行发展模式的效应研究.pdfVIP

互联网金融对商业银行发展模式的效应研究 互联网金融对商业银行发展模式的效应研究 王雅俊 (宁夏大学经济管理学院，宁夏银川 75∞21) 摘要:伴随着互联网技术及金融自由化浪潮的快速发展，互联网金融以便捷的操作模式及廉价的交易成本为优势，掠夺 了商业银行大量的客户资源，致使商业银行传统的金融业务面临较大的冲击。商业银行不得不顺应金融市场的需求，对自己的 业务形态进行创新。由互联网模式带来的变革标志着我国正式迈入互联网金融时代。文章通过研究互联网金融的现状、商业银 行传统业务的发展态势，在定性分析的基础上用经济计量分析方法来研究新兴互联网金融与商业银行的相互影响机理，据此提 出合理化策略，以期推动两者之间的良性竞争，促进二者和谐发展。 关键词:互联网金融;商业银行;金融市场;风险管理 中固分类号: F832.33 文献标iR码:A 文章编号: 1∞4-292X(2016)II-0075-05 Re随arch on 由e Intemet Financial E ftect of the Commercial Bank Development Model WANGYa-jun (Schoolof Economiωand Management , Niog对a University , Yinchuan Niog血75佣21 ， China) Abstract: The traditional financial business of commercial bank is facing a lar军er challenge , because of the rapid development of Intemet technology and financial liberalization , the advantages of convenient operation mode and cheap transaction costs , which has robbed a lot of customer resources from traditional financial business. Commercial 8anks have to comply with the demand of financial market , in order to innovate its business form. 8ased on 出e research of Intemet financial status and 血e development of 出e commercial bank traditional business , the corresponding rationa1ization stiategy is provided. on the basis of qua1itative ana1ysis. with econometric analysis method to study the interaction effect of emerging Internet financial and commercia1 banks. in order to promote healthy competition and develop mutually and harmoniously between them. Key words: Internet financia1; Commercia1 bank; Financial market; Risk management 一、引言 文章通过研究互联网金融与商业银行发展模式的现状、互 互联网金融作为当今互联网时代重要的资金融通形式，对 联网金融对商业银行发展的影响效应