我国互联网金融对商业银行中间业务的影响分析
毕业论文关键词：互联网金融；商业银行；中间业务；影响
Analysis of internet financial impact the development of the commercial bank intermediary business
Abstract：With the development of Internet technology and economy, Internet finance has developed rapidly in China in recent years. Pay treasure, pay WeChat third-party payment platform, such as convenience to our life, and P2P network credit, emerging Internet financial mode from the aspects such as the raise to the traditional financial field infiltration, at the same time, the Internet financial the spirit of equality, open, HP, gradually changing the way People's Daily lives. In the era of the rapid development of Internet finance, the Banks are the main institutions in the financial sector, and the effects of Internet finance are well worth studying. Based on this background, this paper targeted analysis of Internet financial impact on development of intermediary business of commercial bank, combined with the development of the Internet financial situation and development trend analysis of the Internet financial impact on intermediate business of commercial bank management mode, and analyzes the development of intermediary business of commercial bank promote persified, and put forward the strategies of the commercial Banks to intermediary business innovation ability to ascend.
Key words: Internet finance; Commercial Banks; Intermediary business; impact
目录
摘要. 1
关键词. 1
Abstract. 1
Key words 1
一、绪论 1
（一）研究背景 1
（二）研究意义 2
（三）文献综述 2
二、互联网金融的发展 3
（一）互联网金融模式 3
1.第三方支付 3
2.P2P网贷 4
3.众筹模式 5
（二）互联网金融存在的问题 6
1.互联网金融的风险管理能力弱 6
2.互联网金融监管措施不到位 7
3.互联网金融消费权益保护制度缺失 7
三、互联网金融对商业银行中间业务发展的影响 7
（一） 商业银行中间业务发展存在的问题 7
1．创新能力差、缺乏主动性 7
2．品种类型少、结构相对单一 8
3．产品同质化严重，缺乏吸引力 8
（二） 互联网金融对商业银行中间业务经营模式的影响 9
1.互联网金融服务模式引起的影响 9
2.互联网金融经营模式引起的影响 12
四、互联网金融下商业银行中间业务发展的路径 13
（一）业务形态的调整 13
（二）经营模式的调整 13
1．业务创新拉动市场内需 14
2．建立电子商务生态圈 14
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