互联网金融发展对商业银行存款业务的影响
毕业论文关键词：商业银行；互联网金融；存款业务
the Impact of Internet Finance on Commercial Banks Deposit Business
Abstract：With the rapid development of Internet and the raise of " Internet +", the Internet plays a more and more significant role in the development of China economic.As a new financial business model, especially with the emerging of the third-party payment and P2P finance, the Internet finance has a negative effect on the traditional business on commercial banks.Current business growth model of the commercial banks which mainly relying on interest margin ,also faces tough challenges.Besides, the situation that the commercial banks profit from difference between deposits and loans will be no longer in existence. homogeneous operation and profit competition model has become unfashionable,so that the traditional business of commercial banks desiderata some reform. There is no doubt that implementing service innovation to conform to market requirement will be the inevitable choice for the commercial banks to further develop and strengthen their market position.Therefore,in order to solve the problem, the article firstly states the emergence and development of the Internet financial at home and abroad ,secondly introducing China major Internet financial model briefly,then analyzing the Internet financial impact on commercial bank business by description analysis and empirical analysis, finally suggesting what commercial banks should do in the future development.
Key words: Commercial Bank；Internet Finance；Deposit Business
目 录
摘要1
关键词1
Abstract1
Key words1
一、引言1
二、文献综述2
三、互联网金融发展概述 4
（一）互联网金融基本特点 4
（二）互联网金融发展现状 4
1、第三方支付模式5
2、P2P网贷模式 5
3、众筹模式5
四、互联网金融发展对商业银行存款业务影响的分析 6
(一)变量定义与模型假设 6
1、变量定义6
2、模型假设6
3、研究模型6
（二）描述性分析6
（三）实证分析7
五、我国商业银行的应对策略8
致谢9
参考文献9
表1 变量设计表6
表2 2007-2016多元回归模型变量描述性统计6
表3 多元回归模型变量之间的相关系数7
表4 多元回归结果7
互联网金融发展对商业银行存款业务的影响
一、引言
近年来，国内P2P平台爆发式增长与非法集资骗局屡见不鲜，人们谈之色变，P2P金融治理被推上了改革的舞台。P2P作为互联网金融形式的一种，使互联网金融被社会各界广泛关注，同时互联网金融正以超乎人们想象的速度蓬勃发展，向传统金融行业提出了挑战。
随着互联网信息技术的不断发展，互联网金融对人们生活的影响出现在方方面面，“互联网+传统行业”已成定局。2015年国务院积极推进“互联网+”行动的指导意见使“互联网+”的概念成为当前社会关注的焦点。互联网金融在近年来取得不俗的成绩，互联网金融模式的多样化促进其快速发展和产品创新，作为金融业与互联网信息技术的有机结合，它既是拓展了互联网企业向金融行业的业务，也打破了传统金融行业的固定模式。
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