摘 要

由于互联网技术的快速发展，近几年来，互联网金融平台如雨后春笋一般出现在人们的视野之中。互联网金融与传统金融行业不同，互联网金融立足于互联网技术，大大提高了金融行业的服务效率，而且互联网金融服务范围广服务模式多，为人民的生活带来了很多的便利，再加上国家对互联网金融行业的重视，互联网金融近来呈现飞速发展的状态。而传统银行业由于其自身条件以及性质的局限，相比较互联网金融行业来说，缺乏创新能力，服务效率低。因此互联网行业的迅速崛起对于传统银行业造成了很大的损失，对银行业的各种业务也形成了冲击。传统银行业需要在此基础上，汲取国内外银行业发展的成功经验，立足自身的条件，与互联网金融开展合作，进行创新发展。本文通过探究互联网金融的发展，分析商业银行的限制以及互联网金融对商业银行的冲击，进而提出商业银行创新发展方案。

关键词: 互联网金融；商业银行；冲击；创新

Abstract

Fast-moving digital technologies, unrestricted mobile access and vibrant social media to company’s interactions with their customers. Each of these characteristics contribute to the development of internet finance, which makes commercial banks continue to lose their market share. In the past, banks in the world generally make a stable profit and failure were very tiny. But in the recent years, the failure of bank are very common. Not because of the development of net-economy, but also the restrictions of banking industry itself. Therefore, the traditional commercial bank should adopt good experience from other banks. And banking industry should base on their own conditions and corporate with internet finance to innovate. The purpose of this report is to analyse the development of internet finance and the restriction of commercial bank, therefore to have some suggestions for commercial bank innovate.

Key words: internet finance commercial bank innovate

目录

摘要..................................................................................................................................................I

Abstract..........................................................................................................................II

1. ：绪论.................................................................................................................................1

1.1 研究背景........................................................................................................................1

1.2 研究目的及意义.............................................................................................................1

1. ：互联网金融探究...........................................................................................................3

2.1 互联网金融定义.............................................................................................................3

2.2 国内外互联网金融发展概况.........................................................................................3

2.2.1 国外互联网金融发展概况........................................................................................3

2.2.2 国内互联网金融发展概况........................................................................................4

2.3 互联网金融发展模式.....................................................................................................5

2.3.1 第三方支付................................................................................................................5

2.3.2 P2P网贷......................................................................................................................5

2.3.3 众筹............................................................................................................................5

2.3.4 大数据金融................................................................................................................6

2.3.5 信息化金融机构........................................................................................................6

2.3.6 互联网金融门户........................................................................................................6

1. ：传统商业银行的发展................................................................................................8

3.1 商业银行盈利模式探究及问题.....................................................................................8

3.2 为什么中国商业银行早期互联网化不成功.................................................................8

3.3 互联网金融对商业银行业务的冲击...........................................................................10

3.3.1 支付业务....................................................................................................................10

3.3.2 融资业务....................................................................................................................10

3.3.3 存款业务....................................................................................................................11

3.3.4 信息资源....................................................................................................................12

1. ： 商业银行的创新发展...............................................................................................13

4.1 国外商业银行金融创新发展成功经验借鉴...............................................................13

4.2 我国商业银行创新发展...............................................................................................13

4.2.1 创造良好的金融创新环境........................................................................................13

4.2.2 以客户为中心，积极创新业务，拓宽客户资源.....................................................13

4.2.3 改善贷款业务，革新贷款格局.................................................................................14

4.2.4 积累数据，制定大数据经营战略.............................................................................14

1. ： 结论..............................................................................................................................15

参考文献........................................................................................................................................16

致谢................................................................................................................................................17

第一章： 绪论

1.研究背景

近几年来，互联网金融行业依托互联网，云端技术飞速发展，互联网金融已然成为我们生活中不可必要的一部分。互联网金融服务模式多，效率高，从而受到大众的欢迎。2016年，第三方支付平台交易额达到57.9万亿人民币，P2P网络借贷平台发展的风生水起，众多中小微型公司对借贷的要求更是极大催生了众筹的成长，相反的，众筹公司也极大促进了众多处于初级发展阶段的企业的发展。然而，互联网金融的崛起，对于传统商业银行来说无异于当头一棒。传统商业银行本来内部存在结构繁杂，效率低且缺乏竞争性的局限，互联网金融行业的发展又在绝大程度上对传统商业银行的各种业务产生了巨大的影响。对于传统银行来说，我们理应从互联网金融的发展中得到启示，我们应该去学会如何在新的时代和客户进行沟通，了解客户需求，提升服务质量。本文通过对互联网金融的探究，分析商业银行的不足以及受到的冲击，继而来探求传统商业银行在面临互联网金融冲击时候的对策。