互联网金融对商业银行理财产品的影响探究.docxVIP

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 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理财产品 的影响探究 姓 名 周佩佩 学 号 415417031131 专 业 金融学 指导教师 冯媛媛 二〇一九年五月三十日 精心整理 仅供参考 勿用作商业用途 摘　　要 互联网技术和金融行业的深度融合，产生许多金融理财产品，这些产品改变了传统的发展方向。金融和互联网的互相交融对传统的理财产品发展产生巨大压力，本文首先对互联网金融发展现状做一个详细的描述，将互联网融资、互联网货币基金和第三方支付等几个方面的发展情况进行分析。研究如果将传统商业银行理财产品放置于互联网环境下会引起它的哪些优劣势变化，分析了商业银行自身的一些优势和发展环境下的劣势，也分析了传统理财产品会受到互联金融带来的哪些影响，通过以上分析加强融合创新。在充分发挥自身优势的基础上建立出更多更好的符合互联网特点的创新金融理财产品，依托互联网拓宽传统金融产品的销售渠道，以此来满足新环境下客户对于金融产品的满意度，促进商业银行理财产品转型升级。 关键词　　互联网金融　商业银行　理财产品　影响 精心整理 仅供参考 勿用作商业用途 ABSTRACT 　　The deep integration of Internet technology and financial industry has produced many financial products, which have changed the traditional development direction. The exerts great pressure on the development of traditional financial products. This paper first describes the development status of Internet finance in detail and analyzes the development of Internet financing, Internet monetary fund and third-party payment. This paper studies the advantages and disadvantages of traditional commercial Banks financial products if they are placed in the Internet environment, analyzes some advantages of commercial Banks and their disadvantages in the development environment, and also analyzes the influence of traditional financial products on Internet finance, and strengthens integration and innovation through the above analysis. On the basis of giving full play to their own advantages, more and better innovative financial products in line with the characteristics of the Internet can be established, and the sales channels of traditional financial products can be broadened based on the Internet, so as to meet customers satisfaction with financial products in the new environment and promote the transformation and upgrading of financial products of commercial Banks. Key words:　Internet finance　Commercial bank　Financial products　Influence 精心整理 仅供参考 勿用作商业用途 目　　录 摘要