互联网金融背景下商业银行发展研究——以榆次农村商业银行为例.pdf

摘 要 随着数字化、信息化的不断深入，反映在银行方面的技术进步主要体现在二维码 支付、移动终端应用、银行APP 开发和数据云分析，这些技术的推广和应用持续推动 着银行的改革和发展，促使传统的银行在应对互联网技术时主动变革，强化自身的网 络应用技术，加大新技术的推广和开发。互联网金融是一种新型的金融业态，与实体 银行业态存在着本质的区别，关于金融的竞争使得传统商业银行受到了巨大影响。在 新技术、信息化和数字化等应用推广的背景下，研究榆次农村商业银行如何实现网络 时代的进步和发展具有实用意义。 本文阐述了什么是互联网金融，它的提出对研究人员带来何种创新，随后介绍了 其怎么运行及结构如何，文章分别从支付功能、理财功能、网贷功能方面，结合资产 负债、经营模式与银行收益的角度探究互联网金融给榆次农村商业银行带来的冲击， 并结合榆次农村商业银行的实际情况，研究得出了相关对策。 关键词：互联网 金融 榆次农村商业银行 I ABSTRACT With the continuous deepening of digitization and informatization, the technological progress reflected in the bank is mainly reflected in the two -dimensional code payment, mobile terminal application, bank APP development and data cloud analysis, which promote the reform and development of the bank, and promote the tra ditional banks in response. Actively change the Internet technology, strengthen its own network application technology, and increase the promotion and development of new technologies. Internet finance is a new type of financial format, which is essentially different from physical banks. The competition of finance has made traditional commercial banks greatly affected. In the new technology and informatization and digital application, it is of practical significance to study how the rural commercial banks realize the progress and development of the network era. This article explains what Internet finance is, what kind of innovation it brings to researchers, and then describes how it works and how it is structured, from payment functions, financial functions, and online lending functions, combining assets and liabilities, business models and From the perspective of bank income, this