互联网金融对商业银行的影响及对策研究

互联网金融对商业银行的影响及对策研究

摘要：本文主要分析互联网金融对商业银行的影响，简要介绍互联网、金融、互联网金融及其各产业的特点、各产业与互联网的融合度，进而对互联网金融应运而生的原因进行分析，为互联网对金融业的冲击影响奠定基础，对中国、美国互联网金融现状的分析与对比，介绍不同国家产生的不同业务模式。在互联网金融迅速发展壮大的基础上，对其进行分析和梳理，明确互联网时代商业银行与互联网金融竞争的必然性，阐述互联网金融对银行的刺激，主要涉及互联网金融对商业银行所处金融地位、经营模式、服务模式、经营理念以及收入来源等方面的影响，在面临挑战的情况下，互联网金融对银行业变革的推动力很强，基于此，本文针对互联网金融对商业银行的影响一一给出了应对策略、意见或建议，进而提出完善互联网金融监管的相关政策建议，打造和谐稳定的经济环境。

关键词：互联网，金融商业银行，影响及对策

Analysis of the influence of the Internet Finance for commercial

banks

Abstract:This paper mainly analyzes the influence of the Internet Finance for commercial banks, briefly introduce the Internet, financial, financial and industrial characteristics of the Internet, the Internet industry and the degree of fusion, then to analyze the causes of Internet Financial emerge as the times require, as the impact of the Internet on the financial industry influence and lay the foundation, analysis and comparison of China, USA Internet financial situation, introduce the different countries have different business models. In the rapid development of the Internet financial expansion basis, analyze and sort out the inevitability of the Internet era, clear commercial banks and Internet financial competition, expounds the Internet Financial on the banks of the stimulus, mainly refers to the influence of the Internet finance of commercial bank financial status, management mode, service mode, management idea and the source of income etc. in the face of challenges, under the situation of Internet banking, financial impetus for change is very strong, based on this, this paper measures, comments or suggestions for Internet financial one one given the impact on commercial banks, and then puts forward the consummation related policy of Internet financial supervision and management, to create a harmonious and stable economic environment.

Key words:Internet, commercial bank, influence and Countermeasures

目录

一、绪论 (1)

二、文献综述 (1)

（一）国外相关文件综述 (1)

（二）国内相关文件综述 (2)

三、互联网金融给商业银行的冲击 (5)

（一）互联网金融对商业银行金融地位的冲击 (5)

（二）互联网金融对商业银行经营理念的冲击--“鲶鱼效应” (6)

（三）互联网金融对商业银行服务模式的冲击 (7)

四、商业银行对策 (8)

（一）商业银行应转变经营理念 (8)

（二）掘金大数据，进军互联网金融 (8)

参考文献 (11)