互联网金融对商业银行储蓄业务的影响.docVIP

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 单位代码 03 学　　号 1501540001 分 类 号 密 级 毕业论文 互联网金融对商业银行储蓄业务的影响 院（系）名称 商贸学院会计系 专业名称 财务管理 学生姓名 任柯舟 指导教师 李军 2019年 3月 8日 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 互联网金融对商业银行储蓄业务的影响 摘 要 随着电子信息技术的发展，互联网金融呈现出高速成长的势头，发展为目前相关市场领域的关注热点与香馍馍，我们不得不承认，互联网金融模式依靠其便捷度、即时性、高效化、精准化、低成本的优势，迅速的挤占了相关领域市场，引导了中国传统金融市场的变革。同时，传统商业银行储蓄业务受到以支付宝的余额宝业务为主导的多种品牌的冲击，传统商业银行储蓄业务的地位岌岌可危，从过去的同质性地位一落千丈。这种现象说明市场经济结构制度构建起了不同金融组织的公平竞争，在这样的环境中，商业银行如果故步自封，必然会被社会所淘汰。商业银行的中介效能被互联网金融所削弱，选择针对商业银行开展存款储蓄行为的人越来越少，商业银行的存款储蓄业务越来越不稳定。长此以往，必然导致商业银行的盈利空间和市场地位不断萎靡。本文从互联网金融的发展现状、类型、特征、定义出发探究目前互联网金融对于传统银行储蓄业务的影响，从而有计划、有规律的开展优化措施的分析。 关键词：互联网金融；商业银行；储蓄业务  The Impact of Internet Finance on the Savings Business of Commercial Banks Author: RenKenzhou Tutor: Li Jun Abstract With the development of electronic information technology, Internet finance has shown a momentum of rapid growth. It has become a hot spot and fragrant steamed bun in the relevant market areas. We have to admit that Internet finance model has rapidly occupied the relevant market and guided the change of traditional financial market in China by its advantages of convenience, instantaneity, high efficiency, precision and low cost. Leather. At the same time, the traditional commercial banks savings business is influenced by various brands that are dominated by Alipays balance treasure business. The status of traditional commercial banks savings business is at stake, and its position from the homogeneity of the past has fallen sharply. This phenomenon shows that the market economic structure system has constructed fair competition among different financial organizations. In such an environment, commercial banks will inevitably be eliminated by the society if they are self-proclaimed. The intermediary efficiency of commercial banks is weakened by Internet finance. Fewer and fewer people choose to carry out de