本科论文摘 要互联网金融近年来一直是国内非常热门的经济体系，它的出现一定程度上压制了商业银行业务的开展，所以商业银行如何进行转型创新也成为了当下热门话题。本文从我国互联网金融产品的特点、发展现状和与银行的优势比较等多角度入手，深入探究余额宝、P2P 等金融产品业务的开展对我国商业银行的影响。通过其的优势对比，得出了其不仅分流存款业务，还对贷款业务产生了一定挤占的结论。研究表明商业银行若想改变自身“落后”的局面，就需得从加速产品创新、与互联网企业加强合作、做好客户定位、加强人才培养等方面着手加快转型发展，谋求与互联网金融的共赢。关键字：存贷款业务，互联网金融，商业银行本科论文AbstractIn recent years, Internet finance has been a very popular economic system in China, which to some extent suppresses the development of commercial banking business. Therefore, how to transform and innovate commercial Banks has become a hot topic at present. This paper starts from the characteristics, development status and advantages of China's Internet financial products compared with Banks, deeply explores the impact of the development of financial products such as Yu 'ebao and P2P on China's commercial Banks. Then through the comparison of its advantages, it is concluded that it not only diverts the deposit business, but also makes a certain squeeze on the loan business.This research shows that if commercial Banks want to change their "backward" situation, they need to accelerate the transformation and development from the aspects of accelerating product innovation, strengthening cooperation with Internet enterprises, positioning customers well, strengthening talent training and so on, so as to seek a win-win situation with Internet finance.Keywords: Deposit and loan business, Commercial bank, Internet financial 本科论文目 录前 言....................................................................11 互联网金融................
