摘 要

如今,人类已经进入了以互联网为标志的快速信息时代，创新成为当代的最突出的特征。互联网金融就是在这样的时代背景下产生的。互联网金融主要分为以下几类：众筹、P2P信贷、第三方支付、数字货币。在最近的几年，人们普遍接受了互联网金融。以支付宝为首的第三方支付平台的出现改变了以商业银行为主体的经济格局。但是在这新型行业快速发展的同时，它的出现也为相对模式落后的传统商业银行带来了巨大的压力。

本文主要以传统商业银行的业务为研究对象。首先，从互联网金融的发展历程谈起，概述一下研究此选题的背景、意义以及国内外研究现状；其次分别描述互联网金融和商业银行的含义、作用、特点以及现状；最后讲述互联网金融相对于传统商业银行的经济模式的创新，并以P2P信贷为例，描述P2P信贷的发展过程以及现状，研究它的未来发展趋势以及对传统商业银行业务的影响，采用理论研究和数据图表相结合的方法，将P2P信贷与商业银行进行对比，分析商业银行的贷款业务面对P2P信贷发展的挑战与机遇，并为商业银行提出应对措施。

关键词:互联网金融；商业银行；P2P信贷；影响

Analysis of the Influence of the Internet Banking on Commercial Banking

ABSTRACT

Nowadays, mankind has entered the era of information marked by the Internet,innovation has become a prominent feature of the contemporary era.Internet Finance is in the background of this era. Internet Finance is mainly divided into the following categories: crowd-funding, peer-to-peer lending, third party payment, digital currency. In the last few years, people generally accepted the Internet Finance. To Alipay.com headed by the third party payment platform has changed the commercial bank as the main economic pattern. But with the rapid development of this new type of industry, it also brings great pressure to the traditional commercial banks.

This article mainly takes the traditional commercial bank’s business as the research object.First of all, from the development of the Internet Finance talk show the background, significance, research status at home and abroad on this topic;Secondly, describes the meaning, function, characteristics and current situation of Internet Finance and commercial banks; At last, describes the Internet Finance and financial innovation to the traditional commercial bank’s economic model, and peer-to-peer lending as an example, describes the development process and current situation of peer-to-peer lending, study its future development trend and the influence of the traditional commercial banks. Using the combination of theoretical research and data chart method, peer-to-peer lending between commercial banks and the business for comparison, analysis of commercial bank loan business in the face of challenges and opportunities for the development of peer-to-peer lending, and puts forward measures for commercial banks.

Key words: internet finance;peer-to-peer lending; commercial banks; influence

目 录

1引言...................................................................................................................................................1

1.1 研究背景.................................................................................................................................1

1.2 研究目的与意义.....................................................................................................................1

1.3研究进展..................................................................................................................................2

1.3.1 国内研究现状................................................................................................................2

1.3.2 国外研究现状................................................................................................................2

1.3.3 总结................................................................................................................................3

1.4 研究内容与方法.....................................................................................................................3

1.4.1 研究内容........................................................................................................................3

1.4.2 研究方法........................................................................................................................3

1.5 创新与缺陷.............................................................................................................................3

2 互联网金融与商业银行的概述......................................................................................................4

2.1 互联网金融的含义.................................................................................................................4

2.2 互联网金融的特点.................................................................................................................4

2.3 互联网金融的作用.................................................................................................................5

2.4 互联网金融的现状.................................................................................................................6