浅析互联网金融对传统银行业的影响

浅析互联网金融对传统银行业的影响(开题报告,论文8300字)
摘  要
    本文的目的是分析国内外学者对互联网金融的影响，对互联网金融的发展及对商业银行的影响，简要介绍了互联网、银行业、互联网金融以及行业特征、产业与互联网的融合程度，然后对互联网金融业进行了分析，奠定了互联网对金融行业的分析与比较，分析和比较了中国互联网金融的现状，介绍了不同的国家有不同的经营模式。随着互联网金融的快速发展，在分析和研究其必要性的基础上，明确互联网时代商业银行和互联网金融的竞争，阐述了互联网金融的刺激，主要涉及互联网金融对商业银行的财务状况、经营模式、服务模式、经营理念和收入来源。面对形势面临的挑战，互联网金融对银行改革的推动作用十分强烈，在此基础上，本文针对互联网金融一一的对策和意见给出了对商业银行的冲击，并提出了相关的政策建议，为互联网金融的监管创造了一个和谐稳定的经济环境。
 
关键词 ：互联网，金融商业银行，影响及对策


Abstract
This paper mainly analyzes the influence of the Internet Finance for commercial banks, from reviewing the domestic and overseas scholars views on Internet financial development and on the influence of Commercial Bank of the literature, briefly introduce the Internet, financial, financial and industrial characteristics of the Internet, the Internet industry and the degree of fusion, then to analyze the causes of Internet Financial emerge as the times require, as the impact of the Internet on the financial industry influence and lay the foundation, analysis and comparison of China, USA Internet financial situation, introduce the different countries have different business models. In the rapid development of the Internet financial expansion basis, analyze and sort out the inevitability of the Internet era, clear commercial banks and Internet financial competition, expounds the Internet Financial on the banks of the stimulus, mainly refers to the influence of the Internet finance of commercial bank financial status, management mode, service mode, management idea and the source of income etc. in the face of challenges, under the situation of Internet banking, financial impetus for change is very strong, based on this, this paper measures, comments or suggestions for Internet financial one one given the impact on commercial banks, and then puts forward the consummation related policy of Internet financial supervision and management, to create a harmonious and stable economic environment.
 
Keywords： Internet, commercial bank, influence and Countermeasures

目  录
一、绪论    1
二、文献综述    1
（一）国外相关文件综述    1
（二）国内相关文献综述    2
三、互联网金融概述    3
（一）互联网金融的三种形态    3
（二）互联网理财    3
四、我国互联网金融发展的现状    3
五、互联网金融给商业银行的冲击    4
（一）互联网金融对商业银行金融地位的冲击    4
（二）互联网金融对商业银行经营理念的冲击--“鲶鱼效应”    5
（三）互联网金融对商业银行服务模式的冲击    5
六、商业银行应对互联网金融对策    6
（一）商业银行应转变经营理念    6
（二）掘金大数据，进军互联网金融    6
（三）推进与战略伙伴的深度合作，搭建一站式金融服务平台    7
结 论    7
致  谢    8
参考文献    9