浅析互联网金融对商业银行的影响摘要：本文首先回顾了国内外学者关于互联网金融发展的看法以及互联网金融对商业银行影响的文献，以及对互联网、金融以及互联网金融进行简要介绍，在简单介绍各产业特点以及各产业与互联网融合度的基础上，阐明互联网金融应运而生的原因以及为后面阐释互联网为何对金融业有如此之大的冲击打下伏笔，对比、分析互联网金融在中国与美国的发展现状，介绍其所产生出的业务模式。通过对互联网金融产生及发展历程进行梳理,在互联网金融的迅速发展壮大的前提下，指出在互联网时代商业银行与互联网金融公司的竞争不可避免，揭示互联网金融对银行业的冲击，主要涉及互联网金融对商业银行所处金融地位、经营理念、经营模式、服务模式以及收入来源等方面的影响，在这些挑战存在的环境中，互联网金融对银行业变革的推动力是很强劲的，鉴于此，本文针对互联网金融对商业银行的影响一一给出了应对策略或者说建设性意见，继而又提出完善互联网金融监管的相关政策建议，打造和谐稳定的经济环境。关键词：互联网，金融商业银行，影响及对策AnalysisoftheinfluenceoftheInternetFinanceforcommercialbanksAbstract:ThispaperfirstreviewsthedomesticandforeignscholarsviewonInternetfinancialdevelopmentandtheliteratureonInternetfinancialinfluenceofcommercialbank,andontheInternet,theInternetfinancialandfinancialwerebrieflyintroduced,inthesimpleintroducethebasictraitsofeachindustryandeachindustryandInternetmeltingdegree,clarifytheInternetFinanceemergeasthetimesrequirereasonsandforbehindexplainwhytheInternetthefinancialindustryhassogreatimpacttolayaforeshadowing,contrast,analysisofthecurrentdevelopmentintheChinaandAmericaInternetfinance,introducestheproducebusinessmodel.TheappearanceanddevelopmentofInternetfinancialanalyzing,onthepremiseoftherapiddevelopmentofInternetfinancialexpansionofthecommercialbank,pointsoutthatintheInternetageandtheInternetfinancialcompany'scompetitionisinevitable,torevealtheimpactofInternetfinancetobanks,mainlyinvolvingtheInternetfinancialimpactoncommercialbanksinwhichthefinancialstatus,businessphilosophy,managementmodetheservicemode,andthesourceofincome,inthesechallengesexistintheenvironment,theInternetfinancialboosttothebankingreformisverystrong,inviewofthis,thisarticleinviewoftheInternetfinancialimpactoncommercialbanksoneonegivessomestrategiesorconstructivecomments,andthenputforwardtoperfecttherelatedpolicyofInternetfinancialsupervisionandmanagement,tocreateaharmoniousandstableeconomicenvironment.Thelevelofsocialandeconomicdevelopmentisthebasisforthedevelopmentofsportsindustryandthemedia,themediaindustrydevelopmentconnotationofsportsalsotobuildthedevelopmentofemergingindustries.Theupcoming2008BeijingOlympicGamestothedevelopmentofthesportsmediaindustryinChinaisarareopportunity,byreviewingthedevelopmentofthesportsmediaindustry,andtheprovincesofeasternChina(city)fordynamicanalysisandcomprehensiveevaluationofthelevelofsocialandeconomicdevelopmentofthesocialstructure,economicbenefit,thequalityoflifeofthepopulationquality,fourcategoriesfactors,provideabasis,experienceandthinkingofcountermeasurescanbeusedasareferencefordevelopmentofsportsofourcountrydevelopmentofthemediaindustry.Keywords:TheInternet,commercialbank,influenceandCountermeasures目录一、绪论................................................................................................................................................................1二、文献综述...................................................................................................................
