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摘要：互联网自20世纪中叶诞生以来，凭借其强大的信息数据处理分析功能，在经过短短几十年的时间内，实现了与传统行业的结合，对诸多行业产生了深远持久的影响。互联网金融便是互联网与传统金融业相结合的产物。随着互联网信息技术的发展，我国的互联网金融如雨后春笋般蓬勃生长。以余额宝为例，仅在2014年“双十一”期间，其交易笔数就高达1.058亿，总金额达到571亿元。这让人们真切地意识到互联网金融时代已经到来。38413
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本文首先介绍了互联网金融的概念、种类，以及每种产品所具有的特征。其次介绍了我国互联网金融发展的历程，分析了互联网金融快速发展的原因以及风险，进而提出规避风险的措施，说明了互联网金融作为新兴的金融业务应该在不断发展的同时注重风险防范。最后分析了互联网金融的快速发展给传统金融业（主要是商业银行）所带来的机遇与挑战，并且对于商业银行如何应对这一方面给出了应对策略。商业银行不仅需要加强对互联网金融的重视，通过完善的服务重新夺回客户资源，抢占金融市场，也需要通过先进的科技、卓越的人才积极创新自己的互联网业务。二者相互合作，取长补短，以此实现互利共赢。
毕业论文关键词：互联网金融 商业银行 影响 对策
Internet Finance’s Development and its Impact on Traditional Finance
Abstract： The Internet was born in the mid-20th century. With its powerful function of analyzing information and data, the Internet has combined with the traditional industries in just a few decades. And it has a profound and lasting impact on the traditional industries. Internet finance is the product of the Internet and the traditional finances’ combination. With the development of internet science and information technology, China's Internet finance has a rapid growth like mushrooming. For example, just during the period of "double 11" in 2014, the number of Yuebao’s transactions was up to 105.8 million, the total amounted to 57.1 billion. This allows people to realize that the time of Internet Finance has come.
First of all, this paper introducing the concept, kind of the Internet Finance and the characteristic of each products. Second, it introducing the stage of Internet Finance’s development, the reason and the risk of rapid development of Internet Finance，proposing some measures to avoid the risks. As a conclusion, the Internet finance has to pay more attention to its risk prevention as its business grows rapidly. At last, this paper analyzing the impacts and influence of traditional finance （mainly commercial banks） brought by the rapidly development of the Internet finance，and giving the corresponding strategies of how to deal with this aspect. The commercial banks should not only pay more attention to Internet Finance，but also innovate its Internet business actively through advanced science technology and excellent person. Then they will seize the financial markets and regain customers’ resources with the perfect service. According to their cooperation, they will learn from each other and achieve mutual benefit and win-win.
Key Words：Internet Finance; Commercial Banks; Impact; Countermeasures
目录
一、引言 - 1 -
（一）研究背景 - 1 -
（二）研究意义 - 1 -
二、互联网金融概述 - 2 -
（一）互联网金融的概念 - 2 -
（二）互联网金融的种类及其特点 - 2 -
三、互联网金融的发展 - 5 -
（一）我国互联网金融的发展历程 - 5 -
（二）互联网金融发展的原因分析 - 6 -
（三）发展互联网金融的风险 - 8 -