I摘要最近一段时间，互联网信息科技得到全面普及，国内民众的金融需要变化明显，造成金融市场持续向开放、合作发展。尤其是众筹、第三方支付机构、金融组织等全新方式的产生，明显转变了大众的金融消费理念。“互联网金融”的展现开始转变了金融行业的购物观点、交易活动和其产业方式。身为金融行业十分关键的构成方面－商业银行，分析其在全新局面中需要承担的财务风险就展现出比较突出的作用。本文简单叙述了选题深层环境、作用，叙述了与商业银行财务风险相关的常识，探究了商业银行需要抓住的全新时机以及承担的风险，且指出处理的方式。此类银行需要全面转变本身运作方式，持续借鉴良好的观点，创建高效的风险管控系统，以便全面的促进其在全新社会中的长久、平稳发展。关键词：互联网金融，财务风险，商业银行，风险防范IIABSTRACTTherapiddevelopmentofnewgenerationInternettechnologyasthebigdata,cloudcomputing,platformconstruction,etc.Theconnectivityofthefinancialmarkets,openandcollaborativeflow,customersaccesstofinancialservicesacquired,timelinessandconveniencetherehasbeenatremendouschange.To“thethird-partypaymentplatform,network,thesuggests,Internetfinancialportal"suchasrepresentedbythenewtradepatternintoourfieldofvision,dramaticallychangeandimproveourtraditionalfinancialexperience.Internetfinancialisgraduallychangingthefinancialmarketoperationpattern,theconsumptionidea,consumptionwayandtradingbehavior.Asanintegralpartoffinancialmarkets-thecommercialBanks,tostudythefacesunderthenewsituationoffinancialriskisverypracticalsignificance.Thisarticlemainlytellsthestoryofthebackgroundofthethesis,introducestheInternetfinance,commercialbankfinancialriskandsoonrelatedknowledge,analyzestheInternetunderthebackgroundofcommercialBankswillfacenewopportunitiesandchallenges,andfinallydrawtheconclusion:commercialBanksshouldchangetheirbusinessmodelintime,improvethedevelopmentidea,establishingthefinancialriskcontrolsystem,realizetheeraoftheInternetfinancialhealth,sustainabledevelopment.KeyWords:Internetfinance,CommercialBanks,Financialrisk,Thepreventionofrisk1目录摘要_____________________________________________________________________IABSTRACT_________________________________________________________________II目录_____________________________________________________________________11绪论___________________________________________________________________11.1研究背景及意义_____________________________________________________11.1.1研究背景_____________________________________________________11.1.2研究意义_____________________________________________________11.2国内外的相关研究状况_______________________________________________11.2.1国外研究状况_________________________________________________11.2.2国内研究状况_________________________________________________11.3研究内容及方法_____________________________________________________21.3.1研究内容_____________________________________________________21.3.2研究方法_____________________________________________________22理论概述________________________________________________________________32.1互联网金融论述_____________________________________________________32.1.1互联网金融的概念_____________________________________________32.1.2互联网金融的发展现状_________________________________________32.1.3互联网金融发展的原因分析_____________________________________52.2商业银行的财务风险_________________________________________________62.2.1商业银行的财务风险概念_______________________________________62.2.2财务风...
