互联网金融对商业银行的冲击及其对策研究

摘要·········································································

互联网金融兴起的背景及其对金融业的影响·································

互联网金融兴起的背景················································

互联网金融对金融业的影响············································

互联网金融发展的现状···················································

用户数量不断攀升····················································

业务种类不断增多····················································

交易成本逐渐降低····················································

互联网金融对商业银行的冲击·············································

冲击银行业务，抢夺银行客户··········································

减小银行优势，降低银行手续费········································

迫使银行转型，发展互联网业务········································

商业银行应对互联网金融冲击的解决对策···································

改变传统观念，提高服务质量··········································

实现数据分析与挖掘，培养互联网人才··································

加快加强电子银行建设················································

加快自助渠道建设，提升ATM市场份额 ································ 

谋求与互联网企业金融合作，共生······································

商业银行要加强与第三方支付企业的合作·······························

商业银行要加强与互联网金融企业分享中小企业的信用信息和资金状况·····

商业银行要加强与政府监管机构的合作·································

商业银行要加强与行业协会的合作·····································

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

互联网金融对商业银行的冲击及其对策研究

摘 要：

主要针对互联网金融对商业银行的冲击及其对策展开研究。 首先，介绍互联网金融兴起的背景及其对金融业的影响。其次，分析互联网金融发展的现状。最后对互联网金融及其对商业银行的冲击进行简要论述。 在此基础上，提出若干商业银行应对互联网金融冲击的对策与建议。希望相关策略的提出有利于商业银行和互联网金融的共生、和谐发展。

关键词：互联网金融;商业银行;应对策略

前言

2013年被称为中国的互联网金融元年，这一年，阿里金融旗下的余额宝横空出世，支付宝用户将资金转到余额宝中，可以获得远高于银行的投资收益，于是受到人们的追捧，借助支付宝这一平台，余额宝迅速发展起来，并成为社会热议的话题。随着云计算、互联网、大数据等技术的应用，众多互联网企业逐渐涉及金融行业，正与金融业进行融合，各大电商也在推出新的业务来迎合金融行业的需要。互联网金融正在刺激着商业银行突破传统业务方式，金融行业应当加速使用互联网技术，改变支付方式和贷款模式。现阶段第三方支付中应用较多的包括微信支付、支付宝、余额宝等，加上网络购物的新模式，人们对于互联网金融的接受度越来越高，且在日常生活中愿意通过这种简便、直接、可以打折扣的方式满足自己的消费需求；尤其是“电子红包”形式的出现，极大推动了消费者对其应用的可能性，其影响正在逐渐常态化。