金融学专业 互联网金融对商业银行中间业务的影响研究分析VIP免费

摘要近年来，互联网技术的不断发展为信息技术与金融业的融合提供了技术支持并且形成了崭新的金融模式，即互联网金融，互联网金融的便捷化优势不断抢占金融市场，展现出了在金融业独特的业务优势，对处于传统金融业核心地位商业银行产生一定的影响，并且互联网平台产生了多种多样的业务，如第三方支付、网上理财等业务，这极大地挤占了商业银行的中间业务，代理业务对银行卡及结算业务产生冲击，导致客户以及潜在客户的不断流失，这极大地降低了中间业务的盈利收入，而中间业务作为商业银行获利的重要业务，将进一步动摇商业银行在金融市场中的地位，所以通过采用文献查阅法、比较分析法来探索商业银行受到互联网金融冲击的因素，并针对其不足之处提出相应的解决策略，以此来推动商业银行的可持续发展。通过研究可以得出，若商业银行想要稳固自身地位，就必须充分与时代接轨，进行一定的改革与创新，引入大数据分析加强风险控制，吸纳高端科技人才，在自身优势基础之上进行业务创新，以此来重新获得大众的青睐。关键词：互联网金融；商业银行；中间业务ResearchonTheInfluenceofInternetFinanceonIntermediaryBusinessofCommercialBanksAbstractInrecentyears,thecontinuousdevelopmentofInternettechnologyfortheintegrationofinformationtechnologyandfinancialindustryprovidesthetechnicalsupportandformedanewfinancialmodel,namelytheInternetfinance,Internetfinancialadvantagecharteredagrowingshareofthefinancialmarkets,demonstratedtheuniquebusinessadvantagesintheindustry,thetraditionalfinancialindustryattheheartofthecommercialBankshaveinfluence,AndproducedavarietyofbusinessInternetplatform,suchasthird-partypayment,onlinebankingbusiness,whichgreatlyfromtheintermediarybusinessofcommercialBanks,agentbusinessofbankCARDSandsettlementbusinessimpact,andleadtograduallossofcustomersandpotentialcustomers,whichgreatlyreducestheprofitofintermediarybusinessincome,andasanimportantbusinessofcommercialBanksprofitintermediarybusiness,Itwillfurthershakethepositionofcommercialbanksinthefinancialmarket.Therefore,literaturereviewmethodandcomparativeanalysismethodareadoptedtoexplorethefactorsaffectingcommercialbanksbyInternetfinance,andcorrespondingsolutionsareputforwardfortheirshortcomings,soastopromotethesustainabledevelopmentofcommercialbanks.Throughresearch,itcanbeconcludedthatifcommercialbankswanttoconsolidatetheirposition,theymustfullyconformtoTheTimes,carryoutcertainreformandinnovation,introducebigdataanalysistostrengthenriskcontrol,absorbhigh-endscientificandtechnologicaltalents,andcarryoutbusinessinnovationonthebasisoftheirownadvantages,soastoregainthefavorofthepublic.KeyWords：InternetFinance；CommercialBank；TheIntermediaryBusiness目录摘要..................................................................................................................................IAbstract................................................................................................................................II一、引言..............................................................................................................................1（一）研究背景...........................................................................................................1（二）研究目的与研究意义.......................................................................................2（三）研究思路与研究内容.......................................................................................3（四）研究方法与拟创新之处......................................................................................