本科论文摘 要随着社会发展，互联网技术在我们的日常生活中得到了广泛的应用，它促进了互联网金融的发展，同时也在改变了人们传统的生活方式。在过去的几年里，互联网金融的发展突飞猛进，渐渐地被越来越多的人接受和认可，对商业银行产生了冲击。虽然互联网金融现在还并不能完全的代替商业银行，但它改了商业银行的传统服务模式。本文所研究的互联网金融，它的特点是渠道平台，一切通过互联网所开展的金融活动皆都属于互联网金融的范畴。本文研究的基础是宏观经济和金融行业发展的大背景，本文将以此背景，对商业银行的经营环境，经营成本和利润，自身因素和风险管理进行评估。同时会收集有关文献资料作为研究的理论基础，探讨商业银行效率，并得出结论和启示。并提出在互联网金融竞争的严峻形势下如何提高我国商业银行经营效率的可行性优化措施。关键词：互联网金融，商业银行，经营效率 本科论文AbstractWith the development of society,Internet technology has been widely used in our daily life. It has promoted the development of Internet finance and changed people's traditional way of life.In the past few years, the development of Internet finance has been advancing by leaps and bounds, and it has been gradually accepted and recognized by more and more people, which has had an impact on commercial Banks.Although Internet finance cannot completely replace commercial Banks, it has changed the traditional service model of commercial Banks.The Internet finance studied in this paper is characterized by channels and platforms. All financial activities carried out through the Internet belong to the category of Internet finance.The basis of our research is the general background of the development of macro-economy and financial industry. Based on this background, this paper will evaluate the operating environment, operating costs and profits, its own factors and risk management of commercial Banks.At the same time, relevant literature will be collected as the theoretical basi...
