摘  要：互联网金融是互联网信息化发展到一定阶段与传统金融业碰撞而产生的新兴金融模式，这种新兴金融模式的出现和迅速发展，对传统银行业来说，既是机遇也是挑战。文章将从互联网金融的概念和发展现状入手，以微信理财通为例，通过分析微信理财通的特点、微信理财通对传统银行业的冲击以及产生冲击的原因，提出传统银行业的应对策略以及基于互联网的金融创新方法，并得到如下结论：互联网金融推动了传统银行业的深化改革，传统银行业应利用互联网技术，提升其服务能力，增强市场竞争力。94226

毕业论文关键词：互联网金融，传统银行业，微信理财通，冲击，对策

Abstract: Internet finance is the development of Internet information to a certain stage and the traditional financial industry collided with the emerging financial model, the emergence and rapid development of this emerging financial model, the traditional banking industry, both opportunities and challenges。 The article will start from the concept of Internet finance and the development of the status quo, to micro-credit management as an example, by analyzing the characteristics of micro-credit management, micro-credit management of the impact of traditional banking and the impact of the reasons for the traditional banking industry response strategies and Internet-based financial innovation methods, and get the following conclusions: Internet finance to promote the deepening reform of the traditional banking industry, the traditional banking industry should use the Internet technology to enhance its service capabilities and enhance market competitiveness。

Keywords: Internet Finance, Traditional Banking Industry, Wechat Money HD, Charge Countermeasures

目 录

1  引言 3

1。1  互联网金融概念 3

1。2  互联网金融发展现状 3

2  微信理财通特征 3

2。1  客户群特征 3

2。2  收益性特征 4

2。3  流通性特征 4

2。4  安全性特征 5

2。5  便捷性特征 6

3  微信理财通对传统银行的影响 6

3。1  对银行支付业务的影响 6

3。2  对银行储蓄业务的影响 6

3。3  对银行中间业务的影响 7

3。4  对银行理财产品的影响 7

3。5  对银行市场地位的影响 8

4  微信理财通对传统银行业造成冲击的原因 8

4。1  理财通相比银行理财产品有较大优势 8

4。2  理财通自身拥有扎实的基础 9

4。3  理财通的产品创新 9

4。4  理财通的销售创新 9

4。5  理财通的理财专业性 10

5  传统银行应对微信理财通冲击的对策 10

5。1  提升理财产品的竞争优势 10

5。2  整合自身优势 11

5。3  积极寻求理财产品创新