互联网金融对商业银行业务发展的影响分析毕业论文_农林经济管理毕业论文

互联网金融对商业银行业务发展的影响分析毕业论文

2021-04-14更新

摘 要

  商业银行面对互联网金融的冲击与挑战,从解决业务发展面临的困难、突出问题出发,研究分析商业银行发展业务的优势、机遇,寻找应对措施,既顺应互联网金融浪潮发展趋势,体现互联网精神内涵,又促进商业银行创新发展。

  本文首先介绍了互联网金融的发展现状,用翔实的数字说明这几年的业务规模、市场表现及发展方向。其次从商业银行的中介地位、经营业务、经营模式三个方面重点分析了互联网金融对商业银行业务发展的影响。最后提出互联网金融背景下商业银行业务发展的应对措施。

  互联网金融对商业银行的冲击主要表现在对商业银行既有的中介地位、经营业务和经营模式三个方面,互联网金融动摇了商业银行支付结算的垄断地位,改变了商业银行作为唯一信贷供给机构的格局,侵蚀了商业银行的市场份额和收入来源,继而对商业银行的发展产生影响。

  基于互联网金融的迅速发展,商业银行仍具备风险管理经验丰富、金融人才资源丰富,营销能力强,信用程度高,资本实力雄厚等先天优势。互联网金融在对商业银行带来冲击的同时,也带来了机遇。商业银行必须加强战略发展顶层设计,强化商业模式跨界融合,突出产品创新,注重客户体验,与互联网金融在竞争中深度融合,合作共赢。

关键词:互联网金融;商业银行;业务发展

Analysis on the Impact of Internet Finance on the

Business Development of Commercial Banks

ABSTRACT

 Facing with the impacts and challenges of Internet finance, commercial banks should make research and analyze on the advantages and opportunities of their business development of on the basis of the difficulties and prominent problems they are going through, so as to looking for countermeasures. These measures can not only adapt to the trend of Internet finance, and reflect the spirit of Internet, but also promote innovation and development of commercial banks.

窗体顶端

 This paper firstly introduces the current development of Internet finance, using the detailed figures to demonstrate the business scale in recent years, market performance and the direction of development. Secondly, this paper puts emphasis on analyzing the impact of Internet finance on commercial banks’ business development from three aspects of commercial banks: the intermediary position, business activities and business patterns. Thirdly, the paper puts forward measures to deal with the business development of commercial banks in the background of Internet finance.

 Internet Finance impacts on commercial banks mainly in three aspects. They are the intermediary position, business and business model of the commercial banks. Internet Finance has shaken finance payment and settlement monopoly of the commercial banks and changed situation that the commercial banks are the only supplies of credit and loan. It also has corroded the market share and income of commercial banks, which in turn has an impact on commercial banks’ development.

 In spite of the rapid development of Internet Finance, commercial banks still have many inherent advantages such as rich experience in risk management, affluent financial human resources, strong marketing capabilities, high degree of credit and abundant capital. Internet finance not only imposes a threat to the commercial banks, but also brings opportunities. Commercial banks must strengthen the top-level design of strategic development, increase cross-border integration of business model, stick out product innovation and focus on customer experience. They should deeply merge with Internet finance in the competition, and have a win-win cooperation with it.

Key words:Internet finance;commercial bank;business development

目 录

1前言

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

1.2研究目的和意义..……..……..……..……..……..……..……..……..……..……..……..…………..1

1.3国内研究概况………………………………….……………………………………..……………….…1

   1.3.1互联网金融基础理论研究………………………………….…………………………………….2

1.3.2互联网金融产品研究………………………………….………………………………………….2

1.3.3互联网金融对商业银行的冲击研究………………………………….…………………………2

1.3.4商业银行应对措施研究………………………………….………………………………….…..3

1.4国外研究概况………………………………….……………………………………..…………….…….3

1.5文献评述………………………………….……………………………………..………………….…….3

2互联网金融的发展现状…………………………………………………………………………………….5

2.1第三方支付………………………………….……………………………………..……………….……5

2.2 移动支付……………………………….……………………………………..………………….………6

2.3 网络借贷……………………………..………………………………………….……….6

2.4 网络理财(货币基金)融资……………………………..………………………….……….7

3 互联网金融对商业银行业务发展的影响……………………………..…………………………8

3.1 互联网金融对商业银行中介地位的冲击…………………………………………………………………………….8

3.1.1 互联网金融影响了商业银行融资中介服务需求………………………………………………………..8

3.1.2 互联网金融削弱了商业银行支付中介的作用……………………………..….……..8

3.2 互联网金融对商业银行经营业务的冲击……………………………………………………………………………..9

3.2.1 从支付业务看,互联网金融挤压了商业银行的中间业务…………………………………………..9

3.2.2 从负债业务看,互联网金融分流了商业银行的储蓄存款…………………………………………..10

3.2.3 从资产业务看,互联网金融冲击了商业银行的贷款业务…………………………………………..10

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