互联网金融对我国商业银行信贷业务的冲击与对策以中国建设银行为例.pdfVIP

互联网金融对我国商业银行信贷业务的冲击与对策 — 以中国建设银行为例 摘要 ： 近年来互联网在我国呈现出迅速进展态势，互联网企业借助了自身的 术优势对传统 金融行业进行了强势的侵袭，使互联网金融得以快速进展。以阿里金融模式、P2P 网贷、第三方支付 平台等一系列的新兴互联网金融经济快速进展，吸引了大量的客户，推进了互联网金融的进展。然 而同时，以商业银行为代表的银行等传统金融机构所运营的相关传统业务受到了一定的冲击。面对 新型金融产业的进展方向，相关银行机构一定快速对传统业务进行转型，把一些进展缓慢的业务与 网络 密结合， 跟时代步法，开发更多适应于这个新时代的新产品与新服务，带动经济更好的进 展，从而缓解银行等传统业务在互联网时代下的困难窘境。针对目前金融机构的传统经营模式存在 的问题，本文以中国建设银行为例，主要分析了互联网金融时代下传统信贷业务受到的冲击和原因 分析以及应对战略，并总结现有国内外文献研究，提出今后业务进展模式，为传统商业银行进展策 略提供相关的现实的参考依据。 关键词 ：互联网金融；商业银行；信贷业务 ；p2p 网贷 ；建设银行 The Impact of Internet Finance on the Credit Business of Commercial Banks in China. —Take China Construction Bank as an Example. Abstract ：Internet in our country present a rapid development in recent years, the Internet enterprise with its own strong technical superiority to the traditional financial sector, to rapid development of Internet financial. With ali financial model, P2P network credit, third-party payment platform, and so on a series of emerging Internet finance rapid economic development, attracting a large number of customers, promote the development of the Internet financial. At the same time, however, represented by the commercial bank of traditional financial institutions such as Banks operating related traditional business has been a certain impact. Facing the new development direction of the financial industry, the relevant banking institutions must rapidly to the transformation of traditional business, some of the slow development of closely integrated business and network, following the era of footwork, develop more adapted to the new era of new products and new services, drive the economic development better, so as to relieve Banks such as the difficult dilemma of traditional business under the age of the Internet. Aiming at the problems existing in the traditional management pattern