浅析互联网金融对银行业的冲击本科毕业论文pturcskx.docVIP

毕 业 论 文 专 业 经济学 题 目 浅析互联网金融对银行业的冲击 摘 要：近些年来，伴随着社交网络、云计算、大数据等信息技术的出现，新一代互联网信息技术正在迅速发展，以互联网为交易平台的互联网金融新模式正在形成。互联网金融开始逐步向传统金融领域渗透，并对我国银行业造成了显著地冲击。本文介绍了互联网金融的概念、特征及其发展现状，分析了互联网金融在传统金融业务、金融中介角色、收入来源、经营服务模式等方面给商业银行造成的冲击和影响，提出了商业银行应对互联网金融挑战的对策和方法。 关键字：互联网金融，商业银行，冲击，对策 Abstract：In recent years, along with social networks, the emergence of cloud computing, big data, a new generation of Internet information technology is developing rapidly, the Internet as a new model of financial trading platform Internet is emerging. Internet Financial began to gradually penetrate to the traditional financial sector, and Chinas banking industry resulted in a significant impact. This paper introduces the concept, characteristics and development status of Internet Financial, analyzes the impact and influence of Internet Financial in the traditional financial services, financial intermediation role, sources of income, business service model and other aspects to commercial banks and proposes countermeasures to commercial banks to deal with the Internet present financial challenges. Keywords：Internet Financial, Commercial banks, Impact, Countermeasures 目 录 TOC \o 1-1 \h \z \u HYPERLINK \l _Toc323765350 1 引言 PAGEREF _Toc323765350 \h 3 HYPERLINK \l _Toc323765351 2 互联网金融的概述 PAGEREF _Toc323765351 \h 3 HYPERLINK \l _Toc323765352 2.1 互联网金融的概念 PAGEREF _Toc323765352 \h 3 HYPERLINK \l _Toc323765353 2.2 互联网金融的特征 PAGEREF _Toc323765353 \h 4 HYPERLINK \l _Toc323765354 3 互联网金融的发展现状 PAGEREF _Toc323765353 \h 4 HYPERLINK \l _Toc323765351 3.1 第三方支付发展迅速 5 HYPERLINK \l _Toc323765352 3.2 移动支付异军突起 5 HYPERLINK \l _Toc323765353 3.3 网络借贷风生水起 5 HYPERLINK \l _Toc323765355 4 互联网金融对银行业的冲击 5 HYPERLINK \l _Toc323765356 4.1 传统金融业务受到挑战 6 HYPERLINK \l _Toc323765357 4.2 金融中介角色被弱化 6 HYPERLINK \l _Toc323765358 4.3 收入来源受到蚕食 7 HYPERLINK \l _Toc323765359 4.4 金融服务模式面临变革 7 HYPERLINK \l _Toc323765360 5 银行业应对互联网金融冲击的对策 8 HYPERLINK \l _Toc323765361 5.1 转变经营理念，加快产品创新 8 HYPERLINK \l _Toc323765362 5.2