互联网金融对传统商业银行业务的冲击与对策研究

互联网金融对传统商业银行业务的冲击与对策研究 摘 要互联网的普及对金融业的发展产生了深刻的影响。互联网企业通过与金融机构合作，逐步渗透整改金融业,构建出互联网金融发展模式。以支付宝公司“余额宝”为代表的互联网金融的发展模式，它具有收益高，使用灵活。没有任何手续费用等优势赢得了人们的青睐，他的出现给传统银行带来了巨大的挑战。随着互联网的迅速发展，网络借贷的应运而生将银行的贷款利差收入分了一杯羹，商业银行经营正面临一场由技术革新及市场多样化需求带来的变革，这种变革使传统银行业务面临一定的冲击。本文的目的就是研究互联网金融的出现与壮大给传统商业银行带来的挑战以及探讨商业银行面对挑战的对策。本文首先阐述互联网金融在国外的发展情况，继而阐述互联网金融在国内的发展现状，进而指出互联网金融网金融对商业银行业务的冲击，并剖析了商业银行业务创新不足的原因，最后提出几点关于我国商业银行应对互联网金融冲击的对策和建议。 关键词：互联网金融； 商业银行； 冲击ABSTRACTPopularity of the Internet had a profound impact on the development of the financial industry. Through cooperation with financial institutions, the financial sector gradually infiltrated the rectification of the internet to build financial development mode. “The balance of treasure ” of Alipay as the representative of Internet Fund buying and selling patterns, with so-called high yield, low-threshold, withdrawal flexible, no fees and other advantages attract the majority of users, bringing a new opportunities and challenges to the survival and development of traditional commercial banks. With the rapid development of the Internet, lending network share the bank loan spreads income. Commercial banks are facing a technological innovation and market diversification by the demand brought about change, this transformation of the traditional banking business is facing some impact. This article will focus on the analysis of problems and countermeasures rise of the Internet to traditional c...