互联网金融对传统金融的影响力研究
毕业论文关键词：互联网金融；传统金融；商业银行；券商；第三方支付
ABSTRACT Along with the continuous development of Internet technology and its increasing influence, more and more Internet technology has been applied to the traditional industries, which has provided a solid support for future development of traditional industries. As financial data greatly promotes the growth of Internet finance, the third party payment totally changes the layout of the financial industry by opening up a new way to Internet banking , and the rapid growth of Internet insurance, the emergence of Internet Finance indicates a completely new developing direction for traditional finance and deeply affects it. This paper mainly focuses on analyzing both traditional finance and Internet finance and finding out how the latter influences the former. The paper finally comes to a series of conclusions of how Internet finance affects the traditional finance by analyzing the impacts that Alipay brings to traditional finance. Apart from this, it also offers some corresponding countermeasures to reform traditional finance which also brings the reference for the future development of China’s Internet Finance.
Key words: Internet banking；traditional finance；commercial bank；securities firms；
the third party payment
目 录
摘要Ⅰ
AbstractⅡ
第一章 绪论1
1.1研究背景及意义1
1.2国内外研究现状2
1.3研究内容与研究方法3
第二章 互联网金融概述5
2.1互联网金融的概念5
2.2互联网金融的产生背景5
2.3互联网金融的特点6
2.4互联网金融现状6
第三章 互联网金融对传统金融的冲击与影响8
3.1互联网金融第三方支付对传统支付方式的影响8
3.2互联网金融对证券市场的影响8
3.3互联网金融对传统信贷机构的影响8
3.4互联网理财对传统理财市场的影响9
3.5案例分析：支付宝对传统金融的影响9
第四章 传统金融面临的改革12
4.1金融互联网化12
4.2改善支付方式12
4.3发展传统金融优势12
4.4其他改进措施13
结束语14
致谢15
参考文献16
第一章 绪论
1.1研究背景及意义
1.1.1研究背景
随着计算机在广罗大众中越来越普及，互联网也随之走进千家万户，互联网金融就在高速发展的道路上越走越远，人们也逐渐开始离不开互联网金融的陪伴。在网上，我们可以足不出户的淘件商品；在遇到自己心仪的餐厅却又被他的价格吓得望而却步时，可以在各大团购网上找到便宜的团购；当自己宅在家里不想出门，却又懒得自己动手做饭时，随手打开一个外卖的APP就可以解决自己的温饱问题；逢年过节或亲戚朋友结婚自己却无法陪伴或出席时，一个支付宝或微信红包就可以表达自己的祝福和心意。这些都是互联网对给我们生活带来的便利，也是互联网金融对传统行业的渗透。
上一篇：我国消费信贷对经济增长的影响研究
下一篇：江苏保险行业的多元化发展