互联网金融时代我国传统银行面临的挑战究分析 财务会计学专业VIP专享

摘 要 互联网的飞速发展带动了各行各业的发展，互联网金融就是在这种情况下应运而生的。短短几年时间，互联网金融就已经小有规模，渗透到金融行业发展的方方面面。各种第三方支付平台，以及互联网理财产品层出不穷，成为人们当下多种理财选择方式的一种。这些互联网金融的发展大大挤压了传统金融行业的发展，尤其是让很多实体商业银行的关键业务受到了冲击。作为服务业的一种，金融主要是通过为客户提供理财有关的服务来盈利，因此，想要重新获得市场的青睐，传统的商业银行可以通过提高为客户提供的金融服务质量来吸引更多的用户。本文正是通过对互联网金融和传统金融的发展优劣势进行了综合分析探讨，并结合商业银行在实际发展中遇到的问题，有针对性地提出了可参考的建议，希望通过本文的研究能够为传统的商业银行发展提供更多的思路。 关键词 ：互联网，金融商业银行，影响及对策 AbstractThe rapid development of the Internet has driven the development of all walks of life, Internet finance is in this situation came into being. In just a few years, Internet finance has already had a small scale and penetrated into all aspects of the development of the financial industry. A variety of third-party payment platforms and Internet financial products are emerging in an endless stream, which has become a way for people to choose various ways of financial management. The development of Internet finance has greatly squeezed the development of traditional financial industry, especially the key business of many brick-and-mortar commercial Banks. As a kind of service industry, finance mainly makes profits by providing customers with financial services. Therefore, to regain the favor of the market, traditional commercial Banks can attract more users by improving the quality of financial services provided to customers. It is through the comprehensive analysis and discussion of the advantages and disadvantages of Internet finance and traditional finance, combined with the ...