互联网金融产品对商业银行业务的影响研究论文

本科论文摘 要 本篇论文以互联网金融产品对商业银行业务的影响为论文题目进行分析，介绍互联网金融的定义等理论，分析互联网金融产品的出现与发展对商业银行业务所带来的机遇，包括为加强风险管理提供了新的工具和数据以及为开拓金融服务人群提供了技术基础。其次，在分析商业银行业务的过程中，主要是以常见的存款业务，贷款业务为例进行分析。此外，互联网金融产品的出现对于贷款业务的积极影响，互联网金融产品的出现对于贷款业务的消极影响都是本文重点研究的部分。并且基于两方面影响的分析，提出商业银行面对互联网金融产品的影响，提出解决对策，比如，完善商业银行业务服务的体系以及提高商业银行业务人员的能力。关键词：互联网金融产品；商业银行业务；影响；措施本科论文Abstract This paper analyzes the impact of Internet financial products on commercial banking business, introduces the definition of Internet finance and other theories, and analyzes the opportunities brought by the emergence and development of Internet financial products to commercial banking business, including providing new tools and data for strengthening risk management and providing a technical basis for developing financial services groups. Secondly, in the process of analyzing commercial banking business, it mainly takes the common deposit business analysis and loan business as an example. In addition, the emergence of Internet financial products has a positive impact on the loan business, and the emergence of Internet financial products has a negative impact on the loan business Influence is the focus of this paper. And based on the analysis of two aspects of the impact of commercial banks facing the impact of Internet financial products, put forward solutions, for example, improve the system of commercial banking services and improve the ability of commercial banking business personnel. Key words: Internet Financial Products， Commercial Banking，Impact，Measures...