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摘要：在互联网金融的快速发展下，虽然银行有了更多的挑战和压力，但同时，银行业的发展也有了新的动力和机会。作为商业银行，应该加快业务的创新，重视网络金融的发展，加强与网络金融的融合，积极发展自己的网络金融系统，因此，分析互联网金融的内涵、其发展中所存在的问题在本文是十分重要且必要的。据了解，2014随着互联网金融的发展，建行从建设增加移动支付方式、“善融商务”网络平台、防范风险等方面作出创新，不仅让客户享受到便捷的业务上的服务，也实现了新兴业务的迅速发展。本文通过分类阅读文献以及对建设银行进行个案研究这两个研究方法，在分析我国互联网金融发展形势、建设银行网络金融业务发展现状的基础上，通过对建设银行在互联网金融发展中存在的问题进行分析，认为建设银行经营管理理念较为落后、传统业务流程繁琐、品类与价格处于劣势、用户体验不佳，建行应从这些不足出发，可以制定出加强合作、重视客户体验、构建互联网思文、提高风险管理水平的战略，最终实现可持续发展。26153
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毕业论文关键词：互联网金融 商业银行 建设银行 问题 战略
Research on the strategy of developing Internet banking in commercial banks
——The Construction Bank as an example
Abstract:Under the rapid development of Internet banking, although the bank has more challenges and pressures, but at the same time, the development of the banking industry also has a new impetus and opportunity. As commercial banks should accelerate business innovation, pay attention to development of financial network, strengthen the integration of financial network, and actively develop their own network financial system. Therefore, the analysis of the connotation of Internet banking, the existing problems in this paper is very necessary and important to. It is understood, in the 2014,with the development of Internet banking, CCB from construction increase mobile payment, “good financial business” network platform, risk prevention and other aspects to make innovation, not only to allow customers to enjoy convenient business services, but also to achieve the rapid development of new business. In this paper, through classification of reading literature and the Construction Bank of the two research methods of case study and the analysis based on the development situation of China's Internet banking, construction bank network financial business development status through carries on the analysis to the question existing in the development of Internet banking in the Construction Bank, that construction bank management concept is relatively backward, the traditional complicated business processes, category and price at a disadvantage, the user experience is poor, CCB should be the lack of develop to strengthen cooperation, focus on the customer experience, build the Internet thinking, strategies to improve risk management level, to achieve the goal of sustainable development.
Key Words：Internet Financial, Commercial Bank, Construction Bank, question, strategy
目 录
一、绪论 1
（一）研究背景 1
（二）研究意义 2
（三）国内外研究理论 3
二、互联网金融的内涵 4
（一）互联网金融的概念 4
（二）互联网金融的模式 4
（三）互联网金融的特征 5
三、互联网金融发展中存在的问题 6
（一）电商企业在互联网金融发展中存在的问题 6
（二）股份制商业银行在互联网金融发展中存在的问题 8
（三）国有商业银行在互联网金融发展中存在的问题 9