论文总字数：15616字

摘 要

在大数据时代与移动互联网潮流下，互联网金融掀起新一轮热浪，不同领域的投资和模式创新层出不穷，冲击着传统金融业的经营模式和运行格局。但目前关于互联网金融相关界定与监管并没有统一标准或现成经验，如何在互联网金融发酵升温的轨迹中谋求转型发展成为传统银行业所面临的共同课题。

信息技术和和数据处理技术的发展，加强了互联网金融和传统金融的竞合博弈。互联网技术能够显著降低金融交易费用、减少信息不对称、提升金融信息价值，互联金融的发展有利于促进金融竞争。本文将从互联网金融的基本概念与运行模式出发，探求其发展优势与冲击态势，并对传统商业银行目前的主要发展问题展开分析，根据传统商业银行的不足与问题提出尝试性解决措施。从而以点带面就传统银行在互联网时代的新的发展路径进行说明。

关键词：互联网金融 商业银行 大数据

Internet financial impact on commercial banks and Countermeasures

Abstract

In the era of big data and the trend of mobile Internet, Internet banking set off a new round of heat waves, different areas of investment and innovation of mode emerge in endlessly, the impact of the traditional financial industry business model and operation pattern. But the about Internet banking definition and supervision and no uniform standards or ready-made experience, how to in the Internet banking fermentation temperature trajectory seek transformation and development become a common issue faced by the traditional banking.

The development of information technology and data processing technology has strengthened the competition between Internet and traditional finance. Internet technology can significantly reduce the cost of financial transactions, reduce the information asymmetry, improve the financial information value, the development of Internet banking is conducive to promoting financial competition. In this paper, starting from the basic concept and operation mode of Internet banking, explore its development advantages and the impact of the trend and the traditional commercial banks at present main development problems launched them one by one and carefully analysis, according to the problems of traditional commercial banks put forward tentative solutions. Thus to traditional banks in the new era of Internet development path.

Key Words:Internet Financial; Commercial Bank; Big data

目 录

摘要 I

ABSTRACT II

第一章 绪 论 1

1.1 研究背景与意义 1

1.2 研究内容与方法 1

1.3 创新与不足 2

第二章 互联网金融概述 3

2.1 互联网金融的含义及其发展 3

2.1.1 互联网金融的含义 3

2.1.2 互联网金融的主要发展阶段 3

2.2 互联网金融的形成基础 3

2.2.1 互联网金融形成的政治基础 3

2.2.2 互联网金融形成的经济基础 3

2.2.3 互联网金融形成的技术基础 4

2.3 互联网金融的快速发展要素 4

2.3.1 大数据支持 4

2.3.2 庞大的客户基数 5

2.3.3 低廉的交易成本 5

第三章 中国传统商业银行的发展现状及问题 6

3.1 中国传统商业银行发展现状及特点 6

3.1.1 银行业的综合实力明显增强 6

3.1.2 银行业的风险控制和业务管理得到改善 6

3.1.3 逐渐形成有效透明的监管体系 7

3.2 中国传统商业银行发展的问题 7

3.2.1 主营基础存款业务创新不足 8

3.2.2 缺乏对中间业务和细分市场的重视 8

3.2.3 内部机制与管理存在弊端 8

第四章 互联网金融对中国传统商业银行的影响分析 9

4.1 互联网金融对中国传统商业银行发展的长期积极影响 9

4.1.1 互联网金融与商业银行发展的互补关系 9

4.1.2 互联网金融对中国商业银行发展的积积极影响 9

4.2 互联网金融对中国传统商业银行发展的短期消极冲击 10

4.2.1 互联网金融与商业银行业务的竞争分析 10

4.2.2 商业银行与互联网金融竞争的消极影响 10

第五章 对策 12

5.1 商业银行发展动力：理念创新 12

5.2 商业银行发展支撑：平台建设 12

5.3 商业银行发展方向：结构转型 12

结语··························································································································14

参考文献··················································································································15

致谢··························································································································16

请支付后下载全文，论文总字数：15616字