互联网金融对商业银行经营的影响及对策分析.docVIP

PAGE 1 - 互联网金融对商业银行经营的影响及对策分析 摘要：随着互联网在全球的普及以及广泛的应用，网上银行、手机银行、支付宝以及其他金融业务得到了蓬勃的发展，从而形成了一种全新的金融模式——互联网金融 。如今，互联网金融迅猛发展，给商业银行的相关业务及运营已经带来了一定的影响。在未来，随着互联网金融的不断发展壮大，二者之间必将展开一场更加激烈的竞争。因此，深入研究互联网金融的发展是极具现实意义的，特别是商业银行如何采取对策应对互联网金融带来的影响，这些对商业银行经营的发展具有十分重要的现实意义。 本文首先阐述了课题研究的背景和意义，回顾了国内外相关的文献综述。接着，对互联网金融作了相关概述，依次介绍了其起源及发展、互联网金融的概念、互联网金融的特征以及我国互联网金融的业务模式及发展概况，从而为下文阐述互联网金融对商业银行经营的影响打下了坚实的基础。另外，文章指出了互联网金融与商业银行之间的竞争是不可避免的，引出互联网金融对商业银行经营的影响，包括直接冲击和深层次影响。鉴于此，本文SWOT分析，有针对性的给出了一些主要的应对策略，并在最后做了总结和展望。 关键词：互联网金融 商业银行 影响 对策 PAGE 2 - Analysis of the Internet financial Impact on the Operation of Commercial Banks and Countermeasures Abstract: As the Internet used widely and popularly in the world, online banking, mobile banking, Paypal and other financial business have got booming development, so creating a new financial model-Internet financial.At the present, the rapid development of Internet financial has brought some impact on the operation of commercial banks. In the future,with the development and growth of Internet banking,commercial banks and Internet financial will start a more intense competition. Therefore, the study of the development of Internet financial is very necessary, especially how commercial banks to take measures to deal with the financial impact of the Internet financial brings, these have great practical significance to the development of commercial banks. Firstly, this paper describes the background as well as the significance of the study and reviews the domestic and foreign scholars’ views of the Internet and related financial documents. Nextly, the paper provides a brief overview of the Internet financial, describing the origin, development,concept,feature and the business model as well as the development of the Internet financial, so as to set forth below Internet financial bringing effects to commercial banks.In addition, the paper notes that with the rapid growth of the Internet financial, the competition of Internet financial and com