互联网金融冲击下商业银行发展策略研究.docxVIP

PAGE 互联网金融冲击下的商业银行发展策略研究 摘要：近十年来，随着全球经济一体化进程的逐步加深和互联网所带来的智能时代的进一步普及，基于互联网这个广阔的技术平台以及为了满足广大网购群体在互联网时代的支付需求所诞生出的互联网金融正在迸发出勃勃生机和无限的发展潜力，这一新生力量的冲入已大大的改变了此前我国商业银行一枝独秀的和谐场面，如何在互联网金融这一条大鲶鱼的影响下转变我国商业银行发展策略和机制并且促进相关服务和业务的完善，最后达到商业银行与互联网金融的虚实结合，甚至达成以商业银行等雄厚经济实力为基础，互联网金融为领头力量的新生经济格局对我国日后金融市场的发展和创新有着不可替代的意义。 本文基于国内诸多学者对互联网金融进行讨论的基础上，透过当前智能移动端的普及和活跃对互联网金融的促进和影响角度来展开思考和讨论，并通过引言、互联网金融的定义、特点及优势、互联网金融对我国商业银行的冲击、商业银行在新时代下的应对策略以及结论等五部分来展开，具体的分析，讨论互联网金融在新时代下的发展状况以及对于商业银行所产生的的冲击，并在基于这些的基础上，试着总结出商业银行在新时代下可采取的相关战略，期望对于商业银行在新时代下的转型提供一些现实意义。 关键词：互联网金融、商业银行、智能移动端、新型发展格局； A Study on the Development Strategy of Commercial Banks under the Impact of Internet Finance Abstract: Over the past decade, with the global economic integration process and the gradual deepening of the Internet brought about by the further popularization of the era, based on the Internet, a broad technology platform and in order to meet the majority of online shopping groups in the Internet era of payment needs born to the Internet Financial is burst out of vitality and unlimited development potential, the influx of this new force has greatly changed the previous Chinas commercial banks a unique and harmonious scenes, how the Internet finance under the influence of a large catfish to change Chinas commercial banks Development model and to promote the improvement of related services and business, and finally to commercial banks and Internet finance and the actual situation, and even reached a solid economic strength of commercial banks, based on the Internet finance as the leading force of the new economic pattern of Chinas future financial market development And innovation has an irreplaceable meaning. Based on the analysis of Internet finance, this paper analyzes and discusses the promotion and influence of Internet finance through the popularization and development of the current intelligent mobile terminal. Through the introduction, the definition, characteristics and advantages of Internet finance, The impact of Inte