互联网金融对商业银行的影响研究摘要近年来，随着互联网技术的发展与普及，我国也迎来了互联网金融时代。互联网金融凭借便捷的操作模式、较低的交易成本以及多样化的金融产品迅速获得了大批客户的认可，这给长期以来依靠利差来获利的商业银行带来了影响和冲击。进一步促进商业银行顺应市场需求，创新服务与产品，巩固自己的市场地位。互联网金融的出现，对商业银行的发展来说，既是机遇又是挑战，如何利用互联网金融的积极影响，促进商业银行的发展，是目前我国商业银行亟待解决的问题。对此，本文将以中国工商银行为例，分析互联网金融对商业银行的影响，包括资产业务、负债业务以及中间业务三个方面，并结合商业银行的实际，提出针对性的发展对策，进一步促进我国商业银行的改革，实现资源的最优化配置。关键词：互联网金融；商业银行；影响InternetfinancialresearchontheinfluenceofcommercialBanksAbstractInrecentyears,withthedevelopmentandpopularityoftheInternettechnology,ourcountryalsousheredintheeraoftheInternetfinancial.Internetfinancialwithconvenientmodeofoperation,lowertransactioncosts,aswellasavarietyoffinancialproductsquicklywonalargenumberofcustomerrecognition,ithavelongreliedonspreadsforaprofitofcommercialbankbringstheinfluenceandimpact.TofurtherpromotethecommercialBankstoadapttomarketdemand,innovativeservicesandproducts,consolidatetheirmarketposition.TheemergenceoftheInternetfinancial,forthedevelopmentofcommercialBanks,isbothanopportunityandchallenge,howtoutilizethepositiveinfluenceoftheInternetfinancialpromotethedevelopmentofcommercialBanks,isanurgentprobleminthecommercialBanksofourcountryatpresent.Tothis,thisarticlewillwiththeindustrialandcommercialbankofChinaasanexample,analyzedtheinfluenceoftheInternetfinancialofcommercialBanks,includingassetbusinessandliabilitybusinessandintermediarybusinessthreeaspects,andcombiningtherealityofcommercialBanks,putforwardthecorrespondingdevelopmentcountermeasure,tofurtherpromotethereformofcommercialBanksinourcountry,toachievetheoptimalallocationofresources.Keywords:Internetfinancial;CommercialBanks;impact目录摘要..............................................................................................................................................1Abstract.............................................................................................................................................2一、引言..........................................................................................................................................3二、相关理论概述...........................................................................................................................4（一）互联网金融的内涵.......................................................................................................4（二）互联网金融的特点.......................................................................................................4（三）互联网金融的功能.......................................................................................................5三、我国商业银行的经营现状.......................................................................................................6（一）经营理念.......................................................................................................................6（二）经营方式.......................................................................................................................6四、互联网金融对中国工商银行的影响分析........
