论文总字数：23599字

摘 要

在经济全球化的时代背景下，互联网金融的飞速发展使得商业银行的利益受到了冲击，整个传统金融行业面临着重新洗牌的危机。而如何改进商业银行当前的经营模式，以及如何将互联网金融和传统银行业的优势结合起来，以满足客户对于金融服务日益提高的要求和自身经营发展的需求是传统银行业迫切需要解决的问题。因此，在新的金融领域竞争局势中，深入探究互联网金融相对于银行业的优势所在，分析商业银行自身的长处与缺陷，并以此为依据寻求传统的银行经营模式的突破和创新，促进传统管理理念和互联网金融服务模式的融合并从而达成共赢的局面，这对于商业银行和互联网金融双方都具有重要意义。

本文共分为六章，较为全面的分析了互联网金融对银行业的影响和银行应采取的策略。首先本文将梳理互联网金融的概念、特点和优势，并以支付宝为例介绍互联网金融企业的发展现状。其次，本文将阐述我国商业银行的经营现状，深入分析互联网金融的兴起对传统银行业产生的影响和冲击。通过对经营数据的分析探求互联网金融行业的发展和银行业经营模式的相关性，并提出具有实际操作意义的策略建议，希望能够为我国商业银行在信息经济时代的转型升级提供一些帮助。

本文的主要内容是研究在互联网金融飞速发展的背景下传统商业银行所受到的冲击和银行应该采取的应对策略。互联网金融的兴起虽然弱化了传统银行业的金融中介地位，分化着商业银行的业务和客户群体，但同时也为商业银行的改革带来了契机。由于互联网金融的影响，我国银行业逐渐意识到互联网平台和信息技术的重要性，开始加快对银行内部业务结构的调整，重视互联网技术人才的培养和电子银行平台的建设，提高银行业在利率市场化的大环境下的核心竞争力。传统金融行业和新兴互联网金融的激烈竞争使商业银行明白了当今社会商业银行再也不能占据垄断地位，互联网金融和传统银行业各具优势，都无法撼动对方在经济领域的地位，因此两者加强合作、取长补短才是实现共赢的最佳途径。

关键词：传统商业银行，互联网金融，第三方支付，电子银行

Abstract

In the background of economic globalization, the rapid development of Internet Finance made commercial banks under attack,and the whole traditional financial industry faces the reshuffle crisis.How to improve business model of commercial banks ,and how to combine the advantages of Internet Finance and traditional banking for satisfying customer's increasingly high demand for financial services and their own demand for business development have been an urgent question.Therefore,under the new financial industry competition,it's significant for both Internet Finance and commercial banks to make depth study about the superiority of Internet Finance compared with commercial banks,analyze the banks' own forte and defect and look for the breakthrough and innovation of the traditional banks' business model on this basis,promote the merge between traditional management concepts and Internet Financial services model, and so on,reach a win-win situation.

This paper is divided into six chapters.First of all,this article will type through the definition, characteristics and advantages of Internet Financial,and introduce the current state of the Internet Financial enterprises in the case of the alipay.Secondly,this article will elaborate the operating status of commercial banks in china and looked closely at the impact on traditional banking caused by the rise of Internet financial.Through the empirical study,it will explore the relevance between the development of Internet Financial and business model of commercial banks,and propose targeted strategies and suggestions with practical significance,hoping to provide some help for Chinese commercial banks to restructure and upgrade in the era of the information economy.

The main contents of this article is to study the hit to the traditional commercial banks and coping strategies what they should adopt as Internet Financial in China is booming.Internet Finance's appearance has weakened banks' status of financial intermediaries to some extent and polarized commercial banks' business and customer base,but also brought turning point for the reform of commercial banks.Because of Internet Finance's affect,China's banking industry came to realize the importance of the Internet market and information technology.They began to accelerate the adjustment of business structure inside the banks,pay attention to the cultivation of Internet technology professionals and construction of the electronic banking platform,and thus increased the core-competitiveness of the banking in the environment of the interest rate liberalization.The fierce competition between the traditional financial industry and the emerging Internet financial industry made commercial banks understand that commercial banks couldn't hold the monopoly status anymore in today's society.Internet Financial and commercial banks have their own advantages and neither can shack each other' s position within the field of economics.Therefore,the two should strengthen cooperation and learn from ones' strong points and close the gap and then,achieve a win-win situation.

Key words:Traditional commercial bank;Internet Financial;Third party payment;Electronic bank

目录

摘要 I

Abstract II

第一章 绪论 1

1.1研究背景及意义 1

1.1.1研究背景 1

1.1.2研究意义 1

1.2研究内容与框架结构 2

1.2.1研究内容 2

1.2.2框架结构 2

1.3研究方法 3

第二章 文献综述 4

2.1国外相关研究 4

2.2国内相关研究 4

2.3当前研究的创新与缺陷 6

第三章 互联网金融与传统商业银行概述 7

3.1互联网金融的定义及特点 7

3.1.1互联网金融的概念 7

3.1.2互联网金融的特点 8

3.2互联网金融模式的发展优势 9

3.3传统商业银行的经营理念和发展现状 10

3.3.1商业银行的定义和职能 10

3.3.2商业银行的经营模式和管理理念 11

3.3.3我国商业银行的现状 12

第四章 互联网金融对商业银行经营的影响分析 13

4.1互联网金融对银行业的影响 13

4.1.1互联网金融对银行业的冲击 13

4.1.2互联网金融对银行业的推动 16

4.2商业银行的优势和劣势 17

4.2.1商业银行的优势 17

4.2.2商业银行的劣势 18

第五章 我国商业银行应采取的应对策略 19

5.1拓展业务渠道，开发电子商务平台 19

5.2树立“以客户为中心”的价值理念 20

5.3开展“综合式”营销，增强客户黏性 20

5.4加强风险控制与监督 21

5.5重视信息技术人才的培养 21

第六章 结论与展望 23

6.1结论 23

6.2展望 23

致谢 24

参考文献 25

第一章 绪论

1.1研究背景及意义

1.1.1研究背景

自从二十世纪第一台计算机诞生以来，互联网和移动通信技术就一直在飞速发展，以互联网为核心的信息技术正迅速席卷包括生活、经济、文化等领域的各个行业，传统金融行业同样正在面临着来自互联网金融的影响和冲击。面对与农业时代、工业时代截然不同的信息时代的到来，金融行业就应该顺应时代发展，主动寻求产业结构的变革，谋求与互联网金融的共赢局面。

互联网金融是金融领域新兴的一种金融服务模式，它以云计算、大数据集和搜索引擎等信息技术为依托，将方便快捷的互联网服务融入到金融服务中，衍生出第三方支付、余额宝、QQ钱包、P2P、资金融通等一系列互联网金融业务。互联网金融具备实时、便捷、低成本的特点。

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