互联网金融对我国商业银行信贷业务的冲击与对策-以建设银行为例

互联网金融对我国商业银行信贷业务的冲击与对策-以建设银行为例(论文9000字)
摘要： 近年来互联网在我国呈现出迅速发展态势，互联网企业借助了自身的技术优势对传统金融行业进行了强势的侵袭，使互联网金融得以快速发展。以阿里金融模式、P2P网贷、第三方支付平台等一系列的新兴互联网金融经济快速发展，吸引了大量的客户，推进了互联网金融的发展。然而同时，以商业银行为代表的银行等传统金融机构所运营的相关传统业务受到了一定的冲击。面对新型金融产业的发展方向，相关银行机构必须快速对传统业务进行转型，把一些发展缓慢的业务与网络紧密结合，紧跟时代步法，开发更多适应于这个新时代的新产品与新服务，带动经济更好的发展，从而缓解银行等传统业务在互联网时代下的艰难窘境。针对目前金融机构的传统经营模式存在的问题，本文以中国建设银行为例，主要分析了互联网金融时代下传统信贷业务受到的冲击和原因分析以及应对战略，并总结现有国内外文献研究，提出今后业务发展模式，为传统商业银行发展策略提供相关的现实的参考依据。

关键词：互联网金融；商业银行；信贷业务；p2p网贷；建设银行

The Impact of Internet Finance on the Credit Business of Commercial Banks in China.
—Take China Construction Bank as an Example.
Abstract：Internet in our country present a rapid development in recent years, the Internet enterprise with its own strong technical superiority to the traditional financial sector, to rapid development of Internet financial. With ali financial model, P2P network credit, third-party payment platform, and so on a series of emerging Internet finance rapid economic development, attracting a large number of customers, promote the development of the Internet financial. At the same time, however, represented by the commercial bank of traditional financial institutions such as Banks operating related traditional business has been a certain impact. Facing the new development direction of the financial industry, the relevant banking institutions must rapidly to the transformation of traditional business, some of the slow development of closely integrated business and network, following the era of footwork, develop more adapted to the new era of new products and new services, drive the economic development better, so as to relieve Banks such as the difficult dilemma of traditional business under the age of the Internet. Aiming at the problems existing in the traditional management pattern of financial institutions, the China construction bank, for example, this paper mainly analyzes the era of the Internet financial traditional credit business impact and analysis of the causes and coping strategies, and summarize the existing literature research at home and abroad, it puts forward the model of business development in the future, for the traditional commercial bank development strategy to provide relevant reference basis in reality.
Keywords: internet finance; Commercial Banks; credit operations; P2P network to borrow; Construction Bank

目录
一、文献综述    1
二、互联网金融概述    1
（一）互联网金融的概念    2
（二）互联网金融的特点    3
（三）互联网金融的发展阶段    4
（四）互联网金融相关理论概述    5
1.长尾理论    5
2.平台经济理论    5
3.金融中介理论    6
三、互联网金融对建设银行信贷业务的影响    6
（一）互联网金融对建设银行信贷业务的积极意义    6
（二）互联网金融对建设银行信贷业务的冲击    6
四、互联网金融对建设银行信贷业务产生冲击的原因    8
（一）互联网金融信贷产品具有更广的创新空间    8
（二）互联网金融能够解决信贷业务信息不对称问题    8
（三）建设银行信贷业务供求双方匹配效率不高。    8
五、建设银行基于信贷业务的应对策略    8
（一）培养复合型的人才    9
（二）加快与互联网企业的合作步伐，推出创新产品    9
（三）提升客户体验，优化业务流程    9
（四）实行贷款利率与客户信用等级相对应的原则    10
参考文献    11