互联网金融对商业银行盈利的影响——以中国工商银行为例.doc

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 学士学位论文 题 目 互联网金融对商业银行盈利的 影响——以中国工商银行为例 姓 名 常秀程 学 号 415417030617 专 业 金融学 指导教师 郝志军 二〇一九年五月二十二日 摘　　要 当前，随着经济转型以及信息技术的跨越式发展，大数据、云计算、移动通讯技术等互联网技术得到长足发展。而金融业伴随着技术的更迭，也发生了巨大改变，金融业务智能化、便捷化成为了发展趋势。随着阿里巴巴“余额宝”的推出，众多互联网金融产品如雨后春笋版诞生。大众理财观念不断强化，互联网金融变革使得大众随时随地即可办理金融业务，享受金融服务。互联网金融凭借其方便、快捷、灵活的优势，对于中小型客户具有巨大吸引力。特别是在支付、储蓄、融资方面，互联网金融表现出了巨大优势，对商业银行的收益产生了巨大影响。在以上背景下，本文将通过对互联网金融概况以及商业银行盈利模式的梳理，分析互联网金融对于商业银行盈利的有利影响以及不利影响，并对于不利影响给与建议，希望可以在时代迅速发展的背景下为商业银行的发展提供一定的参考。 关键词　　互联网金融　商业银行　盈利　 ABSTRACT At present, with the economic transformation and the leap-forward development of information technology, the Internet technologies such as big data, cloud computing, mobile communication technology have been greatly developed. With the change of technology, the financial industry has also undergone tremendous changes. Intelligent and convenient financial business has become the trend of development. With the introduction of Alibabas E-commerce, many Internet financial products have sprung up like bamboo shoots. The concept of public finance has been constantly strengthened. Internet financial reform has enabled the public to handle financial business and enjoy financial services at any time and anywhere. Internet finance, with its convenient, fast and flexible advantages, has great attraction for small and medium-sized customers. Especially in terms of payment, savings and financing, Internet finance has shown great advantages, which has a great impact on the profits of commercial banks. Under the above background, this paper will analyze the positive and negative effects of Internet Finance on commercial banksprofitability by combing the general situation of Internet finance and the profit model of commercial banks, and give suggestions on the negative effects, hoping to provide some reference for the development of commercial banks in the context of rapid development of the times. Kay words：Online finance　commercial bank