互联网金融对我国商业银行的冲击及其应对策略
摘 要
随着我国互联网和信息技术的蓬勃发展，互联网金融企业应势而生。互联网金融正在以超乎人们想象的速度发展，如今的互联网金融企业的业务已经渗透到金融的各个子领域，如第三方支付平台、P2P网贷、各种“宝宝”类余额理财产品，诸如此类的创新模式，已经使得传统商业银行坐立不安了。金融的本质是服务，因此，随着客户的需求变化而变化才是传统商业银行的生存之道。正是因为互联网金融企业以开放、平等、分享和包容的互联网精神融入自身的企业建设，才得以发展。而在互联网金融快速发展这一大背景下，传统商业银行应该如何应对？本文将介绍传统商业银行当前所面临的冲击以及初步应对措施，再运用SWOT分析法，分析得出传统商业银行的未来之路，为商业银行的改革提供少许建议。
关键词： 互联网金融，传统商业银行，冲击
Internet financial impact on China’s commercial Banks and their coping strategies
ABSTRACT
With the vigorous development of the Internet and information technology in China, the Internet financial enterprises should be potential. Internet financial are than people imagine the speed of development, today’s Internet financial enterprise business has already penetrated into each field of finance, such as the third-party payment platform, P2P network, all kinds of “baby classes” loan balance of financial products, such as this innovation model, has made the traditional commercial bank on pins and needles. Is the nature of financial services, therefore, as the customer demand changing is the survival of traditional commercial Banks. It is because of the Internet financial enterprises to open, equality and sharing and inclusive spirit into its own Internet construction of enterprise, to develop. Rapid development in Internet financial this big background, the traditional commercial Banks should be how to deal with? This article describes the impact of the traditional commercial Bankscurrently faces and preliminary countermeasures, SWOT analysis method, analysis the future of the traditional commercial bank, a little advice for the reform of commercial Banks.
KEYWORDS：the Internet finance, traditional commercial Banks, the impact
目 录
1.2.1 有关互联网金融发展现状与未来趋势的研究………… 1
1.2.2 有关商业银行经营模式问题的研究……………….. 1
1.2.3 商业银行如何应对互联网金融变革浪潮所带来的挑战的探 2
2 早期互联网金融发展对商业银行的冲击……………………….. 3
2.2.1 对商业银行存款业务的冲击…………………….. 4
2.2.2 对商业银行贷款业务的冲击…………………….. 5
2.2.3 对商业银行中间业务的冲击…………………….. 5
3 商业银行应对互联网金融冲击的初步转型现状………………….. 6
4 商业银行应对互联网金融冲击的SWOT分析…………………….. 9
5.5.1 对P2P网贷的监管规范……………………….. 13
5.5.2 对第三方支付平台的监管规范………………….. 14
5.5.3 众筹平台监管有待完善……………………….. 14
