互联网金融理财对商业银行负债业务的影响研究Study on the influence of Internet financial liabilities business of commercial banks摘要随着计算机信息技术和网络技术的发展，互联网金融运行模式在市场上大量出现，丰富多样的金融产品，在给人们带来了实实在在收益的同时，也对传统银行业务产生了重大影响，国内专家学者对互联网金融褒贬各一，但不可否认，一场深刻的行业变革正在发生，互联网金融的高速发展威胁着商业银行的传统经营模式和中介服务地位。互联网金融理财产品能够吸纳社会上的闲散资金，与商业银行的负债业务存在竞争关系。本文比较分析了商业银行负债业务和互联网金融理财产品的优势，并分析了互联网金融理财对商业银行的影响负债业务的影响，指出互联网金融虽然分流了银行存款、增加了银行融资成本，但其改变了银行的业务模式，为银行的发展带来了挑战，也带来了机遇。关键字：商业银行；互联网金融理财；负债业务；对策AbstractWith the rapid development of computer information technology and network technology, the Internet financial operation pattern appears in the market, a variety of financial products, to bring real benefits at the same time, also had a significant impact on the traditional banking business, domestic experts and scholars on the Internet Financial appraise of each one, but it is undeniable, a profound changes are taking place in the industry, the rapid development of Internet banking is threatening the traditional business model of commercial banks and intermediary service position. Internet financial products to absorb idle funds of the society, the existence of a competitive relationship with commercial bank liabilities business.This paper analyzes the liabilities of commercial banks and the Internet financial products, and analyzes the Internet financial impact on the debt service of the commercial bank, points out that Internet banking is the diversion of bank deposits, increasing the cost of bank financing, but the changes ...
