互联网金融对商业银行的影响.docx

PAGE PAGE IV 互联网金融对商业银行的影响 摘要 互联网金融的崛起不但逐渐改变了我们的生活习惯而且对我国商业银行的生存与发展造成一定的影响。本文通过初步了解互联网金融的概况为基础，对比分析互联网金融与我国商业银行的优缺点，在此基础上，探讨互联网金融的迅猛崛起对我国商业银行业务模式、金融地位产生的威胁及在互联网金融环境下的改革机遇与启示。总而言之，本文通过理论数据分析，认为互联网金融对我国商业银行的发展起着双刃剑的作用，其与商业银行的相互改变与相互融合，最终会构造出一个全新的金融体系。通过本文的分析，商业银行在互联网金融环境中的优势为：监管严、安全性强；系统稳定；资源丰富；劣势为：操作不便；成本偏高；集成度低。在此基础上，笔者提出的具体解决对策包括：银行高管要正视互联网金融的冲击，积极应对、调整经营战略、更新管理模式、产品设计、调整客户结构，完善小微贷款模式、 注重客户体验，提高服务效率。希望通过本文的研究，可以抛砖引玉，对相关领域的研究有所贡献。 关键词：互联网金融，商业银行，发展模式  Abstract The rise of Internet banking not only gradually changed our living habits, but also to the survival and development of China's commercial banks. In this paper, through a preliminary understanding of the Internet financial situation as the foundation, analyzes the advantages and disadvantages of the Internet Finance and Commercial Bank of China, on the basis of this, the rapid rise of Internet Banking for business of China's commercial banks, financial status of the threat model and the Internet financial environment under the opportunity of reform and enlightenment. In a word, this paper through theoretical analysis of data, that the Internet finance plays a double-edged sword effect on the development of China's commercial banks, commercial banks and their mutual change and mutual integration, will construct a new financial system. Through the analysis of this paper, the advantages of the commercial banks in the Internet financial environment are as follows: strict supervision, strong security, stable system and abundant resources. On this basis, the author puts forward the specific countermeasures include: bank executives to face the financial impact of the Internet, and actively adjust business strategy, update management, product design, customer structure adjustment, improve small micro lending model, focus on the customer experience, improve service efficiency. I hope that through this study, we can make a contribution to the research in related fields. Key words: Internet banking, commercial banks