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摘要近年来，以支付宝、余额宝、阿里小贷等为代表的互联网金融飞速发展，对商业银行造成了全面的冲击和深远的影响。这一现状对传统商业银行而言，既是威胁，也是机遇。互联网金融挖掘信息资源，具有低成本、高效率等诸多优势，也存在着强风险、弱监管等诸多问题。本文通过分析互联网金融发展现状，研究其对商业银行经营造成的多方面影响，认为商业银行只要保持风险控制、重视信息运用、加快网络化变革、改善服务质量，依然能在未来激烈的竞争中保证自己金融业的主体地位。49242
毕业论文关键词：互联网金融；商业银行；影响；对策
The Effect of the Internet-Based Finance on Commercial Banks’Management and Commercial Banks’ Corresponding Strategy
Abstract In recent years, the rapid development of the Alipay, Yu’e Bao and Ali small loan, which as the representative of the Internet-based finance, leading a comprehensive impact and a far-reaching influence on commercial banks. This situation is not only a threat, but also an opportunity to commercial banks. The Internet-based finance excavate information resources. On the one hand, it has advantages like low-cost and high-efficiency, and on the other hand, many problems such as high-risk, supervising weakness, exist as well. Through the analysis of the current situation of the Internet-based finance and the research in influence that it caused on the merchant banks’ management, we can get the conclusion that as long as commercial banks insist the risk controlling, paying attention to information applying, speeding up the networked reform process, improving the quality of service, the commercial banks can still ensure the dominant role of the financial industry in the intensely competition in the future.
Key Words: Internet-based finance; commercial bank; influence; corresponding strategy
目录
摘要 I
Abstract II
目录 III
一 引言 1
（一）研究目的和意义 1
（二）研究现状 1
二 互联网金融发展现状 2
（一）第三方支付的迅速发展 2
（二）余额宝等产品的兴起 2
（三）网络信贷的兴起 3
三 互联网金融发展对商业银行经营的影响 3
（一）互联网金融产品的兴起和发展，对商业银行传统业务造成冲击 4
（二）互联网金融挖掘了信息资源，动摇了商业银行客源基础 5
（三）互联网金融成本低，效率高，对商业银行的竞争极强 6
（四）互联网金融的发展为商业银行带来更大风险 7
（五）互联网金融发展会为金融领域带来更大监管力度 8
四 商业银行针对互联网金融对其造成影响的对策 8
（一）发展传统业务电子渠道，与互联网企业谋求合作 8
（二）对自身固有信息与数据的重视与挖掘，创造独特性、权威性 9
（三）转变理念、为金融创造附加值——服务 9
（四）加强风险意识，赢得顾客信任，永保自身优势