互联网金融对我国商业银行的影响研究 会计学专业

I互联网金融对我国商业银行的影响研究Research on the impact of Internet Finance on China's commercial banks摘 要互联网技术已成为了当下最显著的发展潮流，贯穿于人们的日常。互联网金融时代的到来是必然趋势。它凭借降低交易成本、减少资金供应双方信息不对称等优势，迅速获得了认可，大批客户不断的涌入。传统的商业银行受到了极大的冲击但也带来了机遇。在这一趋势下，商业银行必须充分把握机遇发挥互联网的积极作用，融入高新技术推动商业银行的全面创新与进步。本文就互联网金融对我国商业银行的影响进行研究，探讨其影响的好与不好，并针对不好的影响提出相应的解决策略。关键词：互联网金融；商业银行；影响对策分析IIABSTRACTInternet technology has become the most significant trend of development at present, and runs through people's daily life.It has been recognized quickly by reducing transaction costs, reducing information asymmetry between the two sides of the supply of funds, and constantly pouring large quantities of customers.Traditional commercial banks have been greatly impacted, but they also bring opportunities.Under this trend, commercial banks must fully grasp the opportunity to play the active role of the Internet and integrate the new and new technology to promote the comprehensive innovation and progress of commercial banks.This paper studies the influence of Internet Finance on China's commercial banks, and discusses the good and bad effects of Internet finance, and puts forward the corresponding solutions to the bad influence.Key words: online finance; commercial banks; analysis of influence countermeasuresIII目 录引 言....................................................1一、互联网金融的概念及特点................................1（一）互联网金融的概念..............................................1（二） 互联网金融特点...............................................1二、互联网金融的理论分析..................................2（一）金融中介理论......