互联网金融发展对商业银行的影响研究-工商管理专业论文.docxVIP

首都经济贸易大学硕士学位论文 首都经济贸易大学硕士学位论文 互联网金融发展对商业银行的影响研究 Abstract Shopping,Financing and chatting have been witnessed the dramatically change via the impact of the internet in the era of the internet’S rapid speed development,and the internet has become indispensable part ofpeople’S daily life．In such ch-cumstance，what kinds of the revolution it may have if the internet information technology and the mobile communication have been applied into the financing industry,and what era it may create? Internet financ ing has expressed its strong growth and explosion power in way to accelerate the capkal flow and improve the effective capital allocation,as well as the way to enhance the social competition in the financial market．Internet financing has internally forced the commercial banks to have the revolution ifjoining the WTO could not bring the shock白r the commercia l banks。 Ailibaba with the internet background has possessed abundant internet source as well the large amount of the capital，having generated a new commercial product Yu’e’bao．Yu’e’bao was generated in mid-Jun Y20 1 3 with the cooperation between Al而aba and Tianhong Fund，and it has achieved 81M RMB in 8 months and reached the historicaI record．The capital scale has further breakthrough to 50 Billion RMB and achieved to the level of small and medium commercial banks by the indication骨om the internet big data．Yu’e’bao is product which promotes the development of the Chinese internet financing and impacts 1．3 Billion population in a unprecedented way．From the above facts，it is not d ifficult to observe that the internet financ ing has created the product and service which could adapt to the public needs and expand its market position by fully taking advantage of its strength,developing its fmancing characters and expbring new channel for the矗atemet financ ing． Keywords： Intemet finance Commercial bank 万方数据 首都经济贸易大学硕士学位论文 首都经济贸易大学硕士学位论文 互联网金融发展对商业银行的影响研究 目 录 1 绪{仑 ．．1 1．1选题背景及研究意义 一1 1．1．1选题背景 1 1．1．2研究意义 2 1．2国内外