互联网金融对商业银行发展影响.docxVIP

摘要 随着互联网在全球的普及和广泛应用，网上银行也伴随着不断的完善和迅猛发展，网上银行，手机银行和手机支付的互联网技术以及余额宝，阿里小贷等金融创新业务将在我国蓬勃发展，逐渐形成了新的金融互联网金融模式。目前，互联网金融正在快速发展，对金融机构尤其是银行业的冲击已经显现，随着互联网金融的日益发展，未来商业银行将展开更激烈的竞争，从而改变银行的业务模式和运营模式。因此，认识和发展互联网金融成为必要的研究，尤其是金融业中的银行如何积极应对和监管互联网金融存在的问题，这将具有重要的理论意义和现实意义。本文首先回顾了国内外学者所著的对互联网金融和商业银行的影响文以及网上银行发展的看法的参考文献，以及内容涉网上银行和网上银行简介的。简要介绍了行业的特点和该行业基于互联网的金融学位后，明确网络银行应运而生，重新解释为什么在互联网金融业已经影响这么大的原因，分析和比较中国和美国互联网金融发展，介绍了商业模式的产生。关键词：互联网金融，商业银行，影响及对策AbstractWith the Internet is widely applied in global popularity, online banking has also been accompanied by continuous improvement and rapid development, online banking, mobile banking, mobile payment of Internet technology, the balance of treasure, Ali small loans and other financial innovation business will be booming in China, forming a new Internet banking financial model. At present, the rapid development of Internet banking, financial institutions especially the impact of the banking industry has begun to show, with the increasing development of Internet financial future, commercial banks will start more intense competition, so as to change the banks business model and operation mode. Therefore, to understand the development, Internet banking become necessary research, especially bank finance first how to actively respond to and regulators on the existence of the Internet financial problems, how to regulate, with important theoretical significance and practical significance.This paper first reviews the domestic and foreign scholars view of Internet banking and commercial banks influence literature development of Internet banking and online banking and online banking. Briefly introduces the characteristics of the industry and the industry and based on Internet Finance degree, clear network bank came into being, to explain the reason why the Internet banking industry has paved the way for such a big impact, in the comparison and analysis of the development of Chinas Internet banking, the United States, the business model.Keywords: Interne