摘要互联网已成为人类历史上最能够改变人类生活的技术之一，在短短几十年间内极大地改变了人们的生活方式，促进了社会的发展。随着互联网科技与电子商务的飞速发展，第三方支付、电商平台、网络理财、P2P融资等一系列金融服务已悄然融入了我们生活，对商业银行的传统业务和地位产生了不可忽视的影响和冲击。51340

本文在总结互联网金融的概念和特征的基础上，阐述了互联网金融模式，分析其对传统商业银行业务的影响，并将中国农业银行作为具体案例，针对性地提出商业银行应该如何面对互联网金融的冲击。

本文认为，互联网金融的发展会给传统商业银行带来一定的冲击，但仍不能动摇传统商业银行的地位，两者之间存在共生关系。因此，商业银行应用发展的眼光来看待互联网金融的冲击，加快转型谋求双赢。

毕业论文关键词：互联网金融；发展模式；商业银行

Research on Internet Financial Development Impacting on Commercial Banks and The Countermeasure Analysis

Abstract

The internet has become one of the most possible technologies that can change people’s way of life in human history, in a short span of several decades. It has greatly changed people's way of life, and promotes the development of society. With the rapid development of internet technology and e-commerce, a series of financial services, such as third-party payment,  E-commerce platform, on-line wealth management, and P2P financing have been integrated into our lives. They have had non negligible influence and shocks to the traditional business of commercial banks and their status.

Based on the summary of the internet finance’s concept and characteristics, this paper expounds the internet financial model. It analyzes its influence to traditional business of the commercial bank. At the same time the author uses the Agricultural Bank of China as a specific case, puts forward what the commercial banks should do to face the impact of the internet financial.

The author believes that the development of the internet finance can bring a certain impact to the traditional commercial banks, but still can't shake the status of the traditional commercial banks. There is a symbiotic relationship between them. Therefore, commercial banks should use a view of the development to understand the internet financial shocks, and speed up the transformation of seeking a win-win situation.

Key Words: Internet Finance;  Development Model;  Commercial Banks

 目   录

摘  要 I

Abstract II

目   录 III

第一章 导论 1

（一）研究背景 1

（二）研究目的和意义 1

（三）文献综述 2

（四）研究内容 3

第二章 互联网金融概述 4

（一）互联网金融的涵义和特点 4

（二）互联网金融的发展模式 5

（三）互联网金融的发展现状 6

第三章 互联网金融对商业银行的影响分析 8

（一）互联网金融模式对商业银行产生的影响分析 8

（二）互联网金融和商业银行存在共生关系 9

第四章 案例分析：中国农业银行应对互联网金融的实践与探索