互联网金融发展对银行传统业务的影响.docVIP

互联网金融发展对银行传统业务的影响 当前，作为互联网和金融两个行业结合的新兴产物，互联网金融发展风生水起， 第三方支付、电商平台、网络理财、P2P 融资等金融服务已悄然融入了我们的生活，互联网金融对银行的存款、理财、贷款等传统业务产生了一定的影响和冲击，面对互联网金融发展的倒逼，商业银行应如何积极应对，努力转型，是值得深思的话题，本文通过对互联网金融发展对商业银行传统业务的影响分析，提出商业银行如何积极应对互联网金融的对策。因此研究这一问题具有一定的研究应用价值，本文在总结互联网金融概念、特点的基础上，阐述了互联网金融的模式，分析其对商业银行传统业务的影响，并结合中国工商银行的具体案例，有针对性地提出传统银行业如何直面互联网金融的对策。本文在结构上共分 7 章，第 1章为导论；第 2 章为互联网金融概述；第 3 章为互联网金融对商业银行业务的影响分析；第 4 章为互联网金融与商业银行存在竞合关系；第 5 章为我国商业银行应对互联网金融的对策建议；第 6 章为案例分析：中国工商银行应对互联网金融的实践与探索；第 7 章为结论与展望。 　　本文认为，互联网金融虽然对商业银行传统业务产生一定的影响和冲击，但尚不能撼动商业银行的地位，两者存在竞合关系，商业银行应从战略调整、积累大数据、加强合作、业务创新、完善风险机制等方面着手加快转型发展谋求与互联网金融的共赢。 　　关键词： 互联网金融；商业银行；倒逼机制；银行转型 　　ABSTRACT 　　At present, the Internet Finance as a product emerged in the combination ofInternet industry and Finance industry, has developed prosperously. Financialservices such like the third-party payment, E-commerce platform, on-line wealthmanagement, and P2P financing have entered our lives without much notice. TheInternet Finance has certain effect and impact on bank deposits, wealth management,loan and other traditional commercial bank business. Facing these issue, how docommercial banks deal properly and reinvent, is a topic worth deep consideration. 　　This paper analyzes the impact of Internet Finance on traditional business incommercial banks, and proposes effective solutions. Therefore, it has contributedcertain research and application value to the study of this issue. 　　By summarizing the concept and characteristics of the Internet finance, thispaper states its model, and analyzes its influence on traditional commercial bankbusiness. By applying detail cases from Industrial and Commercial Bank of China,this paper suggests target countermeasures for commercial banks. There are totallyseven chapters in this paper, the first one is an introduction, the second one is anoverview of Internet Finance, the third one is an analysis of Internet Financeinfluence to commercial banks, and the forth one talks about a combined competitionand cooperation relationsh