互联网金融对商业银行盈利能力影响研究——以农业银行为例.docVIP

互联网金融对商业银行盈利能力影响研究—以农业银行为例 PAGE PAGE 2 PAGE PAGE 16 摘 要 互联网金融是现代信息技术和传统金融行业相结合的产物，依靠大数据、云计算、人工智能等现在互联技术的高速发展，实现的与传统金融融合。起初，在传统商业银行中，互联网技术仅仅是用来检测、维护银行系统稳定的一项服务技术，而伴随的互联网技术的创新发展，互联网行业的高速发展和互联网公司的诸多业务创新发展后，互联网金融服务公司开始涉及与传统商业银行业务高度重叠的存贷款业务。而互联网金融的发展已然对传统商业银行的业务看生了不利影响，对传统商业银行的利润产生了巨大的冲击。然而在目前这种金融创新的时代，互联网金融与传统商业银行互相影响着，新兴的金融模式将会成为传统商业银行在发展的新契机，根据互联网模式下的网络用户将是传统商业银行开展金融业务的新模式，也将成为传统商业银行新的利润增长点。传统商业银行在互联网金融未发迹之前作为金融行业的领头人，利润逐年增长，互联网金融以创新型的产业模式强势介入传统金融行业，对于商业银行的冲击时巨大的，对于传统银行来说，与互联网金融相互学习，借鉴便是首要任务，能否在金融革命中大力发展，寻找新的利润增长点将成为传统商业银行的新任务。 关键词：互联网金融;商业银行;盈利能力 ABSTRACT Internet finance is the product of the combination of modern information technology and traditional financial industry. It relies on the rapid development of big data, cloud computing, artificial intelligence and other interconnection technologies to achieve the integration of traditional finance. At first, in the traditional commercial banks, Internet technology is only a service technology used to detect and maintain the stability of the banking system. With the innovative development of Internet technology, the rapid development of the Internet industry and the innovative development of many business of Internet companies, Internet financial service companies began to involve deposit and loan businesses which overlap with the traditional commercial banks. The development of Internet finance has had a negative impact on the business of traditional commercial banks, and has had a huge impact on the profits of traditional commercial banks. However, in the current era of financial innovation, Internet Finance and traditional commercial banks interact. The emerging financial model will become a new opportunity for the development of traditional commercial banks. According to the Internet model, network users will be a new mode for traditional commercial banks to carry out financial business, and will also become a new profit growth point for traditional commercial banks. As the leader of the financial i