摘要自2013年阿里集团推出余额宝以来，互联网金融已经渗透方方面面。互联网金融的发展对商业银行的经营产生了极其深刻的影响，它的发展给商业银行的经营带来机遇，也给它带来挑战。因此，对于商业银行来说，采取适当的措施是非常重要的。本文首先探讨回顾了金融学者的相关观点，对互联网金融进行概述。使用PEST模型来分析互联网金融发展的大背景，整理综合关于互联网金融的法律法规政策，了解互联网金融的模式，利用SWOT模型及相关数据得出互联网金融发展对商业银行经营环境、经营理念、经营模式的影响，并在此基础上从经营理念、组织架构、经营业务层面提出商业银行在互联网金融发展背景下应该采取的对策。最后以建设银行为例进行分析，建设银行锁定三大渠道，深化互联网新技术应用，利用两个生活平台，推出三大互联网产品以及完善对公对私业务。目前商业银行与互联网金融企业在合作中竞争，在竞争中合作，它们将在不断探索的过程中，寻求到双方达到共赢局面的均衡点。49992

毕业论文关键词：互联网金融；商业银行；PEST模型；SWOT模型；建设银行 

 the Impact of Internet Financial Development on    Commercial Banks and the Countermeasures

Abstract

Since the launch of Ali Group Po balance in 2013, the Internet has penetrated every aspect of finance. Internet financial development has had a profound impact on the operation of commercial banks.it has brought opportunities as well as challenges to commercial bank. Therefore,for commercial banks, to take appropriate measures is very important. This paper first discusses the financial review of the relevant academics’ point of views, concluding the Internet finance . Use PEST model to analyze the background of the financial development of the Internet, organize a comprehensive policy on Internet financial laws and regulations, know the financial model,understand the Internet using SWOT model and related data obtained in the Internet financial development of commercial banks for operating environment, business philosophy and business model.on this basis, business level commercial bank can propose a solution in the development of Internet financial background from philosophy, organizational structure. Finally, an example for analysis Construction Bank, China Construction Bank locks three channels, deepening the Internet application of new technologies, using two life platform to launch three Internet products and improving public to the private business. Currently, commercial banks and financial companies are cooperating in the Internet competition, competing in the cooperation,but they will continue to achieve win-win situation for both of the equilibrium points in the process of exploration.

Key Words: Internet banking；commercial Bank；PEST model；SWOT model；Construction Bank

摘  要 I

Abstract II

目  录 III

一、前言 1

（一）研究背景 1

（二）研究目的及意义 1

（三）研究现状 1

（四）主要内容及创新点 2

二、互联网金融概况 2

（一）互联网金融的发展历程及现状 2

（二）互联网金融背景分析—PEST模型分析 3

（三）互联网金融政策解读 4

（四）互联网金融的模式