论互联网金融的兴起对我国商业银行的影响摘要“互联网+金融”作为21世纪最伟大的科技发明之一，正逐步改变着传统金融体系中的运行模式和市场结构随着信息技术的快速发展，互联网金融随之兴起，对于我国商业银行造成了不小的挑战。在论述了互联网金融的特点及平台类型的基础上，分析了在互联网金融的蓬勃发展的背景之下，我国商业银行在存款、贷款、支付结算业务和经营服务模式方面所受到的影响，并对此提出了有利于我国商业银行在互联网金融时代保持良好竞争力的策略建议。互联网金融是互联网与金融行业结合的新兴领域。它的兴起抢占了商业银行的市场份额。面对竞争，商业银行被迫进行改革以寻求发展。在此大背景下概括了互联网金融的详细情况，比较了互联网金融与商业银行各自的优缺点，剖析了互联网金融在支付方面、服务理念方面以及中介角色方面对商业银行的具体影响。因此为了减轻冲击，商业银行需要积极进行合作以实现共赢；开展创新型业务来吸引更多客户；同时也需要广纳人才。只有这样，商业银行才能摒弃过去的传统模式，实现技术层面的革新，以适应信息化时代竞争的环境。关键词：互联网金融，商业银行，第三方支付，网络借贷，信息技术ThetheoryoftheriseoftheInternetfinancialimpactonChina'scommercialBanksABSTRACT"Internet+financial"asoneofthegreatestscientificandtechnologicalinventionsofthe21stcentury,isgraduallychangingthetraditionaloperationmodeandmarketstructureinthefinancialsystemwiththerapiddevelopmentofinformationtechnology,Internetfinancialsubsequentlyrise,causednosmallchallengeforChina'scommercialBanks.InthispaperdiscussesthecharacteristicsandtheplatformoftheInternetfinancialtypesonthebasisoftheanalysesinthevigorousdevelopmentoftheInternetfinancialbackground,ourcountrycommercialbankinthedeposits,loans,paymentandsettlementbusinessandtheimpactofmanagementservicemodeonitalsoconducivetotheourcountrycommercialbankmaintainagoodcompetitivestrategyintheeraoftheInternetfinancialadvice.InternetfinancialiscombinedwiththeemergingfieldofInternetandthefinancialindustry.Itistheriseofthecommercialbankmarketshare.Inthefaceofcompetition,commercialBankswereforcedtoreformtoseekdevelopment.SummarizedtheInternetunderthebigbackgroundoffinancialdetails,comparesthemeritsanddemeritsoftheInternetfinancialandcommercialBanks,analyzestheInternetfinancialintermsofpaymentandtheintermediaryrole,serviceideaofcommercialBanksintermsofthespecificimpact.Soinordertoreducetheimpact,commercialBanksneedtoactivelycooperatetoachievewin-winsituation;Todevelopinnovativebusinesstoattractmorecustomers;Atthesametimealsoneedtorecruitmentoftalentedpeople.Onlyinthisway,thecommercialbanktoabandonthetraditionalmodeinthepast,realizationoftechnicalinnovation,toadapttothecompetitionenvironmentofinformationage.KEYWORDS：Internetfinancial,commercialBanks,thethirdpartypayment,lendingtonetworkandinformationtechnology目录1引言..............................................................11互联网金融的概览..................................................31.1互联网金融的概念............................................31.2互联网金融的特点............................................31.3互联网金融的模式............................................41.3.1第三方支付.............................................41.3.2网络借贷...............................................41.3.3网络资产管理...........................................51.3.4移动金融...............................................51.4我国互联网金融的发展趋势....................................52新兴互联网金融与传统商业银行的比较..........................
