论文总字数：22125字

摘 要

进入21世纪，互联网络飞速发展，传统的金融行业已不能满足日益蓬勃的经济发展，互联网金融应运而生并日益发展，也给人们的经济生活带来了巨大的变化，与此同时，互联网货币基金给商业银行业绩带来了一定程度的影响。商业银行在国家金融体系中扮演着不可或缺的角色，起着中间调节的作用。它维护着金融体系与经济发展的稳定。因此，研究互联网货币基金对商业银行经营的影响对商业银行的后续发展有重要的意义。

首先，用SWOT分析的方法从多角度对互联网货币基金的优势、劣势、机会与威胁分析其特点和未来发展情况。再对本文所研究的互联网货币基金进行定义，对商业银行经营范围进行确定，定为负债业务、资产业务、中间业务这三大业务，与这三大业务联系紧密的是成本与收入。然后深入剖析互联网货币基金对商业银行经营影响的具体内容，分析发现，在中间业务上，原本被商业银行垄断的支付功能被与第三方支付相结合的互联网货币基金替代，商业银行这部分的手续费及佣金收入由此减少，因此在后续分析上用互联网货币基金的第三方支付规模来解释；在存款业务上，互联网货币基金对商业银行存款的挤占使得商业银行不得不考虑提高利率吸收存款，但同时也提高了商业银行经营的成本，因此在后续分析上用互联网货币基金规模来解释。从这两方面进一步阐述，互联网货币基金对商业银行经营的影响可以从商业银行成本收入比这一方面间接体现。进而用这一系列的分析为下面的实证分析提供思路。接着，通过五家互联网货币基金的规模代替互联网货币基金的规模，用比达咨询的第三方支付规模以及Wind数据所提供的商业银行的成本收入比进行实证分析，用回归分析来研究互联网货币基金对商业银行经营的影响。

实证结果表明，商业银行的经营受到互联网货币基金在第三方支付以及规模方面的影响，但并不像之前学者所得出的负相关关系，而是逐渐转变为正相关关系，形成对立统一的局面。最后，分别从改革创新、以客户为导向、合理利用大数据等方面给商业银行提出合理的建议。

关键词：互联网货币基金；商业银行；第三方支付

The Influence of the Internet Monetary Fund on the Business of Commercial Banks

Abstract

In twenty-first Century, the traditional financial can’t satisfy the booming economic development.Internet finance emerged and developed increasingly because of the rapid development of Internet.It also brings great changes to people"s economic life.At the same time, the Internet Monetary Fund has brought certain influence to the performance of commercial banks.Commercial banks play a significant role in the national financial system, maintaining the balance between the financial system and economic development. Therefore, it is of great significance to study the impact of the Internet Monetary Fund on commercial banks.It is meaningful for commercial banks" follow-up development.

First, the SWOT analysis method is used from multiple angles to analyze the advantages, disadvantages, opportunities and threats of the Internet monetary fund and its future development.Then we define the Internet Monetary Fund studied in this paper.We also identify the business scope of commercial banks,defining it as the three major businesses of liability business, asset business and intermediate business. The three businesses are closely related to cost and income.Thirdly we analyse the specific content of effect which the Internet monetary fund made on the commercial banks.We can learn from the analysis.From the aspect of the intermediary business of banks, the payment function, monopolized by commercial banks, is replaced by the Internet monetary fund, which is combined with the third party payment. In this part of the commercial bank, the commission income is reduced.Therefore we use the size of the third party payment of the Internet monetary fund to explain in the analysis.From the aspect of the deposit business, the Internet Monetary Fund"s crowding effect on commercial banks makes commercial banks have to consider raising interest rates to absorb deposits.At the same time, it also improves the cost of commercial bank. Therefore, in the follow-up analysis, we use the Internet monetary fund scale to explain.Furtherly, from the aspect of cost and income ratio,we can explain the influence of Internet Monetary Fund made on commercial bank indirectly. Moreover,we use this series of analysis to provide ideas for the following empirical analysis.Then we use the information of five Internet monetary fund to instead the scale of the totoal Internet monetary fund.What"s more,we use the number of the size of the third party payment collected by BDR and commercial bank"s cost to income ratio provided by Wind data to start empirical analysis.Then,using regression analysis to study the impact of the Internet monetary fund made on the commercial banks.

The study shows that the has an impact on the business of commercial banks in terms of third party payment and Internet Monetary Fund’s scale. However, it is not the negative correlation of the previous scholars, but gradually changed into the positive relationship.After that,forming a situation of unity of opposites between Internet monetary fund and commercial banks.Finally, we put forward reasonable suggestions for commercial banks from the aspects of reform and innovation, customer oriented marketing and rational use of big data.

Keywords: Internet Monetary Fund; Commercial bank; Third party payment

目 录

摘 要 I

Abstract II

第一章 绪论 1

1.1 研究背景 1

1.2 研究目的及意义 1

1.3 研究方法 1

1.4 研究内容及论文框架 2

第二章 互联网货币基金对商业银行经营的影响相关文献综述 4

2.1 互联网货币基金的出现与发展现状 4

2.2 互联网货币基金对商业银行经营的积极影响 4

2.3 互联网货币基金对商业银行经营的消极影响 5

2.4 互联网货币基金对商业银行经营积极、消极并存的影响 5

2.5 互联网货币基金带来的监管问题 5

第三章 互联网货币基金的特点、现状及未来发展情况 6

3.1 优势 6

3.1.1 从客户的角度分析互联网货币基金 6

3.1.2 从各大互联网货币基金平台的角度分析互联网货币基金 6

3.2 劣势 7

3.3 机会 7

3.4 威胁 7

第四章 互联网货币基金对商业银行经营影响的理论基础 9

4.1 互联网货币基金的概念 9

4.2 商业银行经营的范围 9

4.2.1 负债业务 9

4.2.2 资产业务 9

4.2.3 中间业务 10

4.3 互联网货币基金对商业银行经营的具体影响 11

4.3.1 对中间业务的影响 11

4.3.2 对存款业务的影响 12

4.4 小结 12

第五章 实证分析 13

5.1 变量的选择与确定 13

5.2 相关性分析 13

5.3 共线性检测 14

5.4 回归分析 14

第六章 结论及政策建议 16

6.1 结论 16

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