互联网金融发展和传统商业银行转型.docx

海南大学课程论文（二○一四至二○一五学年度第二学期）论文题目：互联网金融发展与传统商业银行转型学生姓名：程航学生学号：20121714310051所在学院：经济与管理学院年级专业：12 级金融学专业指导教师：符蕾完成日期：二零一五年五月八日摘要随着网络技术的日益发展，金融模式也发生了天翻地覆的变化。以银行为首的传统金融机构在过去的许多个世纪里依靠着资本的优势左右着世界经济的运行，世界经济的发展离不开银行的强力支持。但是在当今社会,这种优势似乎随着互联网金融的崛起而日益弱化，传统商业银行的运营模式已经受到巨大冲击，。在这种情况下传统商业银行是顺应时代发展进而促进自身的转型还是墨守陈规坚持自己的传统业务，利用自己传统的优势来应对来自外界的冲击？传统商业银行和新兴互联网金融平台又将何去何从？本文通过阿里巴巴集团互联网金融平台的发展状况对互联网金融的发展进行一个概览，同时通过建设银行针对自身金融产品创新所进行的尝试作为传统商业银行转型的一个例证。关键词：互联网金融；传统商业银行；挑战和发展；转型AbstractWith the development of network technology, the financial model is also changed. Traditional, led by Banks, financial institutions in the past many centuries on the advantage of capital around the world economy, the development of world economy is dependent on the strong support of the bank. But in todays society, this advantage seems to be increasingly weakened, with the rise of the Internet financial the operation mode of the traditional commercial Banks have been huge impact,. In this case the traditional commercial bank is to promote social development its own transformation and conformist adhere to their own traditional business, using their traditional advantage to deal with external shocks? Traditional commercial Banks and the emerging Internet financial platform will go? In this article, through the development of Internet financial platform alibaba group to an overview of the development of the Internet financial, at the same time, through the construction bank to try for their own financial products innovation as an example in the transformation of traditional commercial Banks. Keywords：Internet financial; Traditional commercial Banks; Challenges and development; Transformation 目录一、互联网金融的发展………………………………………………………1二、阿里巴巴集团及支付宝发展概览………………………………………1三、互联网金融的优势及不足………………………………………………6(一)、互联网金融优势…………………………………………………6（二）、互联网金融的不足………………………………………………8四、互联网金融对传统商业银行冲击的具体表现…………………………9（一）对传统商业银行业务的挑战…………………………………… 9（二）、对商业银行来说也是机遇………………………………………10五、传统商业银行如何面对互联网金融愈加强烈的冲击…………………10六、传统商业银行转型例证—建设银行……………………………………12参考文献……………………