试论互联网金融对商业银行的多重影响

内容摘要···················································2

1. 互联网金融的定义与特征 ·································31.1 互联网金融的定义 ····································3

1.2 互联网金融的特征·····································3

2. 互联网金融与传统商业银行的优势比较······················42.1 互联网金融的优势 ····································4

  2.2 传统商业银行的优势···································5

3. 互联网金融对商业银行的影响······························6

3.1互联网金融改变商业银行的价值创造和价值实现方式 ·······6

3.2互联网金融导致商业银行支付功能边缘化··················7

3.3互联网金融重构已有融资格局····························7

4. 互联网金融发展趋势和商业银行应对策略····················8

4.1互联网金融发展趋势 ···································8

4.2商业银行应对策略······································9

总结·······················································9

致谢······················································10

参考文献··················································11

内 容 摘 要

摘要：随着信息技术的快速发展，互联网金融模式逐渐兴起。本文在总结互联网金融模式的概念、特征的基础上，进行了互联网金融与传统商业银行的优势比较，阐述了互联网金融模式对商业银行产生的影响。本文认为，互联网金融模式短期内不会动摇商业银行传统的经营模式和盈利方式 , 但从长远来说商业银行应大力利用和吸取互联网金融模式的优势，以获得新的发展。

关键词：互联网金融、商业银行、影响