摘要互联网金融自2013年以来裹挟着强大的云计算技术、移动互联网等技术基础迅速在国内掀起激烈的讨论风潮。互联网金融所拥有的渗透融合的能力、更新换代的速度、潜在的巨大市场、与众不同的金融服务方式和广泛的客户资源覆盖面等竞争能力使得其比传统金融行业更具有营销的优势。商业银行作为传统金融机构，在迅猛发展的互联网金融前，其业务受到了巨大的冲击。金融脱媒、利率市场化等金融改革政策的提速对银行的经营能力和服务水平提出了更高的要求,商业银行的经营管理模式正在发生根本性变革,商业银行的各项业务也在随着互联网的发展在不断拓展,影响商业银行声誉与金融业系统稳定的各类风险问题将会在拓展过程中凸现出来。49988

本文共分为四章，第一章为引言与文献综述，引言介绍了现今互联网金融出现后金融业呈现的态势，以及国内的商业银行为适应新的变化而做出的表现，文献综述介绍了国内外银行经营的现状与本文研究的背景、思路、框架与方法；第二章介绍了互联网金融的内涵并分析了互联网金融在我国的成长历程；第三章介绍了互联网金融发展对我国商业银行经营的影响，第四章具体得出商业银行应对互联网金融影响的相关思考及对策。

毕业论文关键词：互联网金融；商业银行；影响；对策 

 Financial impact of the Internet on the development of Commercial Bank and Countermeasures

Abstract

 Internet financial coerced powerful cloud computing technology since 2013, and other large data base technology and mobile Internet technology rapidly popular in the country and triggered a heated discussion. Internet Finance traditional financial industry unparalleled marketing advantage, has a huge potential market space, the competitiveness of the ever-changing speed of iteration, the GSP financial services approach and broad customer coverage and other resources, modern information technology the depth of integration and the financial industry are shaping our new financial format. Speed financial disintermediation, interest rates and other financial market reform policies on the management capacity and service level of the bank's proposed higher requirements, the business of commercial banks also with development of the Internet continues to expand, highlighting the risks in the process has become an important part of commercial banks to influence the reputation and financial stability of the system.

In this paper, the status quo is pided into four chapters, the first chapter introduces the introduction of domestic and foreign commercial banks, the second chapter on the development process of the Internet finance and Definition of Internet finance, the third chapter between the Internet and traditional commercial banking advantages disadvantages comparative analysis, to actively explore the different kinds of businesses competitive advantages of the Internet banking and commercial banking, the impact of the fourth chapter analyzes the Internet for traditional commercial banking financial business conditions, Chapter V elaborates policy commercial banks deal with the financial impact of the Internet.

Key Words: Internet banking；commercial banks；influence；countermeasure

目  录

摘  要 I

Abstract II

一 绪论 1

（一）引言 1

（二）文献综述 1

二 互联网金融的成长历程 3

（一）互联网金融概述 3

（二）我国互联网金融的发展历程