基于互联网视角的商业银行竞争.doc

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 论文题目： 基于互联网视角的我国商业银行竞争策略研究 学 号： 2014191921 学生姓名： 孙锌雨 所在学院： 金融学院 专 业： 金融学（金融理财方向） 班 级： 6班 指导老师： 李杰群 精心整理 仅供参考 勿用作商业用途 内容摘要：近年来，互联网应用越来越广泛，其成功与很多不同的行业进行了融合，在结合金融业之后，发展出了互联网金融这一全新的模式。余额宝、P2P、众筹等金融创新业务开始崭露头角，凭借其普惠性、便捷性、特色化等优势，为各个阶层的人带来了便捷高效的体验，形成了新金融业态。互联网金融的迅速发展，猛烈冲击着传统商业银行的经营状况，也对传统银行占据金融市场主体的态势有所动摇。中介地位被弱化、活期存款被分流、信贷业务受冲击，传统商业银行正在遭受巨大威胁。但凡事都有两面性，辨证的来看，这是挑战，亦是机遇。在云计算、大数据、广泛运用的背景下，互联网已经成为不可逆的发展方向，“变则兴，不变则亡”。本文运用近几年数据对互联网金融和商业银行二者进行对比分析，为商业银行稳固地位及今后进一步的发展建言献策，若其能顺应潮流，与时俱进，调整经营理念、完善服务方式、优化服务渠道，在优质客源和庞大规模的优势支持下，积极地去竞争与合作，便能扭转当前的局面，守住主体地位，进而为我国金融行业的稳定和整体经济的发展做出更大贡献。 关键词： 互联网金融 商业银行 竞争策略 Abstract:With the progress of modern Internet technology and electronic computer，Internet spirit and traditional financial industry have merged to become a new financial model，namely，Internet finance. Balance treasure，P2P，the raise emergence of financial innovation business，with its universality，convenience，the advantages of the characterization，for the people of all ranks and classes has brought unprecedented experience，formed the new forms of operation in the financial industry. The rapid development of Internet finance has impacted traditional commercial Banks operating conditions and shook the situation of traditional Banks dominating the financial market. Traditional commercial Banks are under great threat because of the weakening of intermediary status，the diversion of demand deposits and the impact of credit operations. But there are two sides to everything，and it is a challenge and an opportunity. In the context of cloud computing，big data and wide application，the Internet has become an irreversible development direction.This paper makes a comparative analysis of Internet finance and commercial Banks with the latest data in recent years，and proposes Suggestions for the future development of commercial Banks. If it can adapt to the trend，keep pace with The Times，adjust the management concept，improve the service mode，optimi