浅析互联网金融及其对商业银行的影响(12)

硕士专业学位论文论文题目浅析互联网金融及其对商业银行的影响研究生姓名李丹指导教师姓名钱晓松专业名称金融硕士研究方向金融工程论文提交日期2014年5月浅析互联网金融及其对商业银行的影响中文摘要I浅析互联网金融及其对商业银行的影响中文摘要作为一种新兴的金融模式，互联网金融吸引了众多目光，其发展对于人们日常生活和工作都产生了巨大影响，对商业银行等传统金融机构也构成了一定的冲击。因此，分析互联网金融的特征、影响以及对商业银行的挑战，以及提出相应的应对措施等是十分必要且重要的。本文通过对已有的文献资料进行整理归纳，结合互联网金融的现状，介绍了互联网金融发展的两个阶段以及在我国的发展现状，阐述了互联网金融低成本、高效率、易操作、风险大等特征，再对互联网金融模式进行分类介绍，分析了互联网金融的快速发展给社会以及商业银行带来的各种冲击和影响，说明了互联网金融作为新兴的金融业务应该在不断发展的同时注重风险防范，商业银行在加强对互联网金融的重视之余也要积极创新自己的互联网业务，两者相互合作，达到一种共赢的局面。【关键字】互联网金融；商业银行；影响；对策作者：李丹指导教师：钱晓松AbstractABriefanalysisoftheInternetfinanceanditsimpactoncommercialbanksIIABriefanalysisoftheInternetfinanceanditsimpactoncommercialbanksAbstractAsanewfinancialmodel,theInternetfinanceattractsalotofattention.ThedevelopmentoftheInternetfinancehasagreateffectonpeople’sdailylifeandwork.Italsohasatremendousimpactontraditionalcommercialbanks.So,it’sveryimportantandnecessarytoanalyzethecharacteristic,theinfluenceandthechallengetothebanksoftheInternetfinance.ThisarticleisbasedontheexistingdocumentliteratureandthelatestinformationandcombinedwiththestatusoftheInternetfinance,introducingthetwostagesoffinancialdevelopmentandthecurrentsituation.ThearticlealsodescribesthecharacteristicoftheInternetfinance:low-cost,highefficiency,easytooperateandhigh-risk,etc.AndthenintroducingtheInternetfinanceasclassification,analyzingtheimpactsandinfluencecostbytherapidlydevelopmentoftheInternetfinance.Asaconclusion,theInternetfinanceshouldpayattentiontoitsriskpreventionasitsbusinessgrowsrapidly.Atthesametime,thecommercialbanksshouldstrengthenandinnovateitsInternetbusiness.Accordingtotheircooperation,theywillachieveadoublewinsituation.【keywords】TheInternetfinance;commercialbanks;impact;countermeasureWrittenbyLiDanSupervisedbyQianXiaosong目录第一章引言...............................................................................................................11.1研究目的及文献综述.........................................................................................11.2文章框架.............................................................................................................2第二章互联网金融的介绍...........................................................................................32.1互联网金融的发展.............................................................................................32.2互联网金融的概念.............................................................................................42.3我国互联网金融的发展现状..............................................................................52.3.1用户数不断增长........................................................................................52.3.2业务品种不断增加....................................................................................52.3.3交易成本的降低........................................................................................52.4互联网金融的特征.............................................................................................62.4.1高效率、低成本........................................................................................62.4.2提高了资源配置效率................................................................................62.4.3操作简单，参与者多................................................................................62.4.4覆盖广，发展快........................................................................................62.4.5管理弱、风险大........................................................................................62.5互联网金融的分类.............................................................................................72.5.1网络银行...................................................................................................72.5.2第三方支付...............................................................................................72.5.3互联网理财销售........................................................................................82.5.4P2P模式和众筹模式.................................................................................9第三章互联网金融的影响..........................................................................................113.1改变传统的生活方式，解决中小企业融资难题..............................................113.2促进了传统商业银行的改革，加快传统金融业务融入互联网......................123.3提高金融业务效率，加快金融脱媒................................................................133.4促进金融市场化改革.......................................................................................143.5促进金融监管体制的改革.................................................................................15第四章对商业银行的挑战.........................................................................................174.1对商业银行的业务造成了冲击........................................................................174.2银行已有优势逐渐减少....................................................................................184.3银行面临改革和转型的需要............................................................................19第五章商业银行应对策略.........................................................................................205.1商业银行加强自身创新能力............................................................................205.2重视大数据，提高自身数据获取能力..................