浅谈互联网金融对商业银行发展的影响

摘要

互联网或许是近20年来最能深刻改变人类社会和生活的技术。在短短的20年里，互联网从无到有，渗透到人类生活的各个角落。伴随着网络的快速发展，尤其是移动互联网的快速发展，互联网金融也日益成为人们日常生活中必不可少的一部分。据中国电子商务研究中心监测数据显示，2014年互联网支付交易规模80767亿元，同比增长50.3%，其中第三方移动支付市场交易规模达到59924.7亿元，较2013年增长391.3%。由此我们可以看出，互联网金融前景广阔，有着巨大的发展空间。一方面，互联网金融公司在传统支付结算领域不断拓展新的支付渠道，如电话支付、移动支付、微信支付等服务方式陆续推出，为客户提供了更多更便捷的金融服务；另一方面，随着电子商务形式的不断创新，B2B，B2C，C2C等支付服务模式也随之推出，并伴随着包括从结算、担保、融资等多个方面的创新。      

本文通过对互联网金融的产生及其发展现状的描述，指出在互联网时代商业银行与互联网金融公司的竞争是不可避免的。通过阐述互联网金融给商业银行带来的影响，运用SWOT法剖析了商业银行在互联网金融时代面临的竞争形势及机会与挑战。根据分析结果，为商业银行应对互联网金融公司的挑战提供战略选择。    

关键词：互联网金融，商业银行，竞争，SWOT分析

                         ABSTRACT

The Internet is probably the most profound technology which has changed the human society and life over the past 20 years . In just 20 years, the Internet from scratch, penetrated into every corner of human life. Along with the rapid development of network, especially the rapid development of the mobile Internet, Internet financial has become an indispensable part of human's daily life.According to the China Electronic Commerce Research Center monitoring data show that the Internet pay deals 8076.7 billion yuan in 2014, an increase of third, of which 50.3% party mobile payment market transactions reached 5992.47 billion yuan, compared with 2013 growth of 391.3%.So we can see that the Internet financial prospects, there is a huge space for development. On the one hand, Internet financial firms in the traditional pay pay settlement areas continue to expand the new channels, such as telephone payment，mobile payment, micro channel payment, service mode, provides customers with more convenient financial services . on the other hand, as the constant innovation in the form of e-commerce, B2B, B2C, C2C and other payment service mode has been introduced, followed by from settlement, guarantees, financing and so on several aspects.       

In this paper, through descriptions of the produce and development of the Internet financial status, pointed out that in the age of the Internet commercial Banks compete with Internet financial firms cannot be avoided. Through on the influence of the Internet financial brings to the commercial bank, analyzed the commercial Banks face the competition in the era of the Internet financial situation and the opportunities and challenges by SWOT. According to the results of the analysis for commercial Banks to meet the competitive challenges of the Internet financial companies to provide strategic choice. 

 Keywords: Internet financial, commercial Banks, competition, SWOT analysis

目录

摘要 I

第1章 绪论 2

1.1. 选题的意义与目的 2

1.2. 文献综述 2

1.3. 范文结构与研究方法 3

第2章 互联网金融的基础理论及发展现状 4

2.1互联网金融的定义与特征 4

2.1.1互联网金融的定义 4

2.1.2互联网金融的特征 4

2.2我国互联网金融的发展 5

第三章  互联网金融给我国商业银行带来的机遇和挑战 8

3.1 互联网金融的发展对我国商业银行的影响 8

3.2 我国商业银行SWOT分析 8

第4章 互联网金融发展条件下商业银行的发展策略 12

结论与建议 13

参考文献 14

致谢 15