1互联网金融对商业银行经营的影响及对策分析摘要：随着互联网在全球的普及以及广泛的应用，网上银行、手机银行、支付宝以及其他金融业务得到了蓬勃的发展，从而形成了一种全新的金融模式——互联网金融。如今，互联网金融迅猛发展，给商业银行的相关业务及运营已经带来了一定的影响。在未来，随着互联网金融的不断发展壮大，二者之间必将展开一场更加激烈的竞争。因此，深入研究互联网金融的发展是极具现实意义的，特别是商业银行如何采取对策应对互联网金融带来的影响，这些对商业银行经营的发展具有十分重要的现实意义。本文首先阐述了课题研究的背景和意义，回顾了国内外相关的文献综述。接着，对互联网金融作了相关概述，依次介绍了其起源及发展、互联网金融的概念、互联网金融的特征以及我国互联网金融的业务模式及发展概况，从而为下文阐2述互联网金融对商业银行经营的影响打下了坚实的基础。另外，文章指出了互联网金融与商业银行之间的竞争是不可避免的，引出互联网金融对商业银行经营的影响，包括直接冲击和深层次影响。鉴于此，本文SWOT分析，有针对性的给出了一些主要的应对策略，并在最后做了总结和展望。关键词：互联网金融商业银行影响对策2AnalysisoftheInternetfinancialImpactontheOperationofCommercialBanksandCountermeasuresAbstract:AstheInternetusedwidelyandpopularlyintheworld,onlinebanking,mobilebanking,Paypalandotherfinancialbusinesshavegotboomingdevelopment,socreatinganewfinancialmodel-Internetfinancial.Atthepresent,therapiddevelopmentofInternetfinancialhasbroughtsomeimpactontheoperationofcommercialbanks.Inthefuture,withthedevelopmentandgrowthofInternetbanking,commercialbanksandInternetfinancialwillstartamoreintensecompetition.Therefore,thestudyofthedevelopmentofInternetfinancialisverynecessary,especiallyhowcommercialbankstotakemeasurestodealwiththefinancialimpactoftheInternet3financialbrings,thesehavegreatpracticalsignificancetothedevelopmentofcommercialbanks.Firstly,thispaperdescribesthebackgroundaswellasthesignificanceofthestudyandreviewsthedomesticandforeignscholars’viewsoftheInternetandrelatedfinancialdocuments.Nextly,thepaperprovidesabriefoverviewoftheInternetfinancial,describingtheorigin,development,concept,featureandthebusinessmodelaswellasthedevelopmentoftheInternetfinancial,soastosetforthbelowInternetfinancialbringingeffectstocommercialbanks.Inaddition,thepapernotesthatwiththerapidgrowthoftheInternetfinancial,thecompetitionofInternetfinancialandcommercialbanksisinevitable.Atthesametime.WiththedevelopmentoftheInternetfinancial,thepaperrevealsthefinancialimpactonthecommercialbanksincludingdirectimpactanddeepimpact.In4viewofthis,thispaperstartscarryingonSWOTanalysistodealwithimpactoncommercialbanksandshowsthemaincopingstrategies.Lastly,thepaperprovidesasummaryaswellasoutlook.KeyWords：InternetFinance,CommercialBank,Impact,Countermeasure1目录一、引言.....................................................................................1（一）研究背景及意义.............................................................1（二）国内外文献综述.............................................................1二、互联网金融概述.................................................................3（一）互联网金融的起源.........................................................3（二）互联网金融的概念.........................................................4（三）互联网金融的特征.......................................................4（四）我国互联网金融的业务模式及发展概况.....................6三、互联网金融对商业银行经营的影响................................
