互联网金融背景下商业银行发展策略研究.doc

PAGE Southwest university of science and technology 本科毕业设计（论文） 互联网金融背景下商业银行发展策略研究 学院名称 经济管理学院 专业名称 国际经济与贸易专业 学生姓名 付雪琴 学号指导教师 衡 兵 副教授 二〇一六年六月 PAGE \* MERGEFORMAT I PAGE \* MERGEFORMAT I 互联网金融背景下商业银行发展策略研究 摘要：近年来，随着网络技术和移动通信技术的普及，互联网金融在我国日益兴起，并以其便捷、高效、低成本等特点逐渐获得人们广泛认可。互联网金融的快速发展在为人们带来便利的同时，也对商业银行造成了巨大的影响。在互联网金融与商业银行竞争不断加大时，商业银行紧跟时代步伐，改革发展模式，加强了互联网金融产品的开发和推广，试图创新出特色产品来维持经营。本文是以商业银行为视角，研究其在互联网金融背景下的发展策略。首先，从互联网金融方式、机构、规模、用户四方面介绍互联网金融发展现状和发展趋势，然后，分析互联网金融对商业银行的影响，主要从中介角色、业务、客户源、盈利模式、经营模式层面介绍，最后，结合商业银行自身优势提出发展策略，主要有打造专属互联网金融产品、加大科技投入、提高风险控制能力、加强与互联网金融公司的合作等。 关键词： 互联网金融； 商业银行； 发展策略 Research on the Development Strategy of Commercial Banks Under the Background of Internet Financial Abstract: In recent years, with the popularization of network technology and mobile communication technology, the Internet financial emerging in our country, and for its convenience, high efficiency and low cost gradually widely endorsed. The rapid development of Internet financial for people bring convenient, also caused a huge impact on commercial Banks. Increasing competition in the Internet finance and commercial bank, commercial Banks to keep pace, reform and development mode, strengthen the development and popularization of the Internet financial products, trying to stay in business innovation with characteristic products. This article is based on the perspective of commercial Banks, the paper studies development strategy under the background of the Internet financial. First of all, from the way of financial, institutional, scale, user four aspects to introduce the Internet financial development present situation and development trend, then, analyzed the influence of the Internet financial of commercial Banks, mainly from the intermediary role, business, customer source, profit model, business model is introduced, finally, combined with the advantages of commercial bank development strategy is put forward, mainly to build exclusive Internet financial products, increas