互联网金融对商业银行传统业务的影响研究.docVIP

. .. 摘 要 随着互联网时代的到来及其对金融领域的渗透，“互联网金融”已成为一个新的金融模式和关注热点。一方面，互联网金融凭借其自身低成本、高效率、即时便捷等特点迅速分割金融市场并占有一席之地，促进了中国传统金融架构的变革；另一方面，互联网金融引发的金融脱媒正逐步削弱商业银行的中介作用，使商业银行的存款业务减少，贷款业务受到冲击，中间业务受到替代的危险。本文通过总结互联网金融的定义、特点、类型及发展现状，深入探析互联网金融对商业银行传统业务所产生的影响，进而有针对性的提出商业银行应对互联网金融的建议和措施。 关键词：互联网金融；商业银行；传统业务；影响 .. Research on the impact of the internet financial on the traditional business of commercial bank Abstract With the advent of the Internet era and the penetration of the financial sector, Internet financial has become a new hot spot of financial models and concerns. On the one hand, the Internet financial with its own low-cost, high efficiency, instant convenient features rapid segmentation of financial markets and a place to promote the Chinese traditional financial architecture change; on the other hand,the Internet finance triggered by the financial disintermediation is gradually weakening business intermediary role of banks, so that deposits of commercial banks to reduce lending business impact, intermediary business risk of being replaced. This paper summarizes the concept of Internet banking, characteristics, types and development status, depth of the financial impact of the Internet on traditional business generated by the commercial banks, and then propose targeted commercial banks deal with Internet financial proposals and measures. Key Words the internet financial; commercial bank; the traditional business; impact 目录 TOC \o 1-3 \h \u HYPERLINK \l _Toc31670 一、绪论 PAGEREF _Toc31670 1 HYPERLINK \l _Toc27629 (一）研究背景 PAGEREF _Toc27629 1 HYPERLINK \l _Toc4740 (二）研究意义 PAGEREF _Toc4740 1 HYPERLINK \l _Toc4475 二、互联网金融的概述及发展现状 1 HYPERLINK \l _Toc29454 (一）互联网金融的定义和特点 1 HYPERLINK \l _Toc20194 1.互联网金融的定义 1 HYPERLINK \l _Toc9711 2.互联网金融的特点 PAGEREF _Toc9711 2 HYPERLINK \l _Toc23709 (二）互联网金融的分类 3 HYPERLINK \l _Toc21180 1.第三方支付 3 HYPERLINK \l _Toc30933 2.互联网融资 PAGEREF _Toc30933