互联网金融背景下商业银行经营转型研究摘要从2012年开始，在金融领域就使用了互联网技术，并且其使用范围正在逐步扩大。像云计算、大数据以及社交网络之类的互联网技术正在慢慢地改变着以往的金融服务。互联网跟金融的有机结合使得大部分商业模式发生了改变，进而促使服务模式、市场环境以及主要需求发生了很大变化，造就了网络银行这一新业态。由于我国的金融市场在不断进行深化，加上其改革步伐不断加快，所以互联网金融出现了突飞猛进的发展态势，甚至渗透到了金融行业，商业银行越来越不容忽视。网络银行促进了商业银行和金融机构的激励竞争，处于此种新形势下，以往的金融机构需要怎样战胜挑战和适应变化，是当今学者们急需探索并解决的问题。该文在综合阐述网上银行的概念及其特点的基础上，对网络金融的基本特征进行了梳理，深刻探讨了网上银行给商业银行带来的影响。该文指出，在短时期内，互联网金融模式不会使商业银行的经营及其盈利模式出现动摇，可依照长远发展来看商业银行需要借助网上银行模式来取得更好的发展。关键词：互联网金融；商业银行；影响；政策建议Researchonthetransformationofcommercialbanks'operationunderthebackgroundofInternetFinanceAbstractSince2012,Internettechnologyhasbeenusedinthefinancialsectoranditsscopeofuseisgraduallyexpanding.Internettechnologieslikecloudcomputing,bigdata,andsocialnetworkingareslowlychangingthewaytheyusedtobe.TheorganiccombinationoftheInternetandfinancehasledtochangesinmostbusinessmodels,whichhasledtogreatchangesinservicemodels,marketenvironment,andmajorneeds,creatinganewformofonlinebanking.AsChina'sfinancialmarketcontinuestodeepen,anditspaceofreformcontinuestoaccelerate,Internetfinancehasseenrapiddevelopmentandevenpenetratedintothefinancialindustry.Commercialbankscannotaffordtoignoreit.Internetbankinghaspromotedtheincentivecompetitionofcommercialbanksandfinancialinstitutions.Undersuchanewsituation,howfinancialinstitutionsinthepastneedtoovercomechallengesandadapttochangesisanissuethatscholarstodayurgentlyneedtoexploreandsolve.Onthebasisofcomprehensivelyexpoundingtheconceptandcharacteristicsofonlinebanking,thisarticlecombsthebasicfeaturesofonlinefinanceandprofoundlydiscussestheimpactofonlinebankingoncommercialbanks.Thearticlepointsoutthatinashortperiodoftime,theInternetfinancialmodelwillnotshakethecommercialbankmodelanditsprofitmodel,butaccordingtothelong-termdevelopment,commercialbanksneedtousetheonlinebankingmodeltoachievebetterdevelopment.KeyWords:Internetbanking,commercialbank,influence,policyadvice目录一、引言....................................................................................................................1二、文献研究综述......................................................................................................2（一）国外研究现状..............................................................................................................2（二）国内研究现状..............................................................................................................2（三）互联网金融的现状分析...............................................................................................3三、互联网金融与传统商业银行的特征分析...........................................................4（一）互联网金融的特征分析...............................................................................................4（二）传统商业银行的特征分析...........................................................................................51.传统商业银行参与互联网金融的发展现状............
