互联网金融对传统商业银行的影响研究
[摘 要]： 20世纪以来，互联网发展速度惊人，短短几十年的时间里它己经深入到了人民的生活，改变了人民的生活方式。随着网络科技的发展，金融与网络科技相互融合，带来了一个新的领域，即互联网金融。商业银行最近几年业务发展迅速，占有了一定的市场，但是在电子商务这一领域起步较晚，技术、管理等方面还存在不足，因而在竞争中处于不利地位。我国互联网金融市场的迅速发展，对商业银行造成了较大的影响。本论文首先对互联网金融进行分析，从它的概念、特征、类型等多个角度着手，介绍互联网金融，然后分析互联网金融对商业银行的影响并对其提出相对应对策略。
Since twentieth Century, the speed of development of the Internet is amazing, just a few years time it has penetrated into people’s life, change people’s way of life. With the development of network technology, network technology and financial integration, brought a new field, namely the Internet finance. In recent years the business development of commercial banks quickly, occupy a certain market, but in the field of e-commerce started late, technology, management and other aspects are still inadequate, and therefore at a disadvantage in the competition. The rapid development of the Internet financial market of our country, resulting in a greater impact on commercial banks. This paper first analyzes the Internet financial , from the concept, characteristics, types and so on, this paper introduces Internet banking, and then analyzes the impact of Internet banking on commercial banks and puts forward relative countermeasures.
[关键词]： 互联网；互联网金融；金融；商业银行
目录:
一、互联网金融内涵、特点及类型
二、互联网金融对传统商业银行的影响
三、我国商业银行的应对策略
