摘要：2016年以来,手机几乎成为了每个人的生活必用品，互联网金融悄然进入人们的生活，大数据时代的到来加速了互联网金融对传统银行业务的冲击。人们通过简单的手机操作就可以完成以前在商业银行大厅那些繁琐的传统业务。互联网金融的整个发展过程中，首先是以方便电子商务运营而产生的，进而一步一步的向深处发展，不断地衍生出了投资理财，代为支付等其他金融方面。本文经过剖析互联网金融及其所推出的产品，来剖析中国传统商业银行未来改革之路的方向，通过对他们之间竞争业务的对比研究，希望对我国传统银行未来发展方向提供宝贵的建议。我们不难发现商业银行作为拥有近一百年历史的产业，自身所拥有一些无法替代的东西，在总资产，结算业务上仍然拥有巨大的优势。从短时间来看，传统的商业银行仍然将统治着中国的金融行业，但是从长久来看，改革必须进行，商业银行应该结合互联网金融快速发展的原因，合理利用互联网和大数据技术，巩固加强自身在商誉和风险控制优势的同时，进行一场自我革新运动，更好地推动我国金融行业发展。80914

毕业论文关键词：第三方支付，网络信贷，商业银行，互联网金融

The impact and Countermeasure research of Internet finance on the traditional business of China's commercial Banks

Abstract: Since 2016, the phone has become almost life necessities, Internet finance come into people's lives quietly, the arrival of large data era accelerates the impact of Internet banking on the traditional banking business。 Through the simple mobile phone ,people can complete something easiliy which need to be done in the commercial bank hall。 the first step of Internet finance development process is to facilitate the operation of generated e-commerce, then step by step to the depths of development, continue to derive the investment and financial management, on behalf of the payment and other financial aspects。 This paper analyzes the

 future of China's traditional commercial banks through the analysis of Internet finance and its products, and tries to provide valuable suggestions on the future development of traditional Chinese banks through the comparative study of their competitive business。 We can easily find that commercial banks as a nearly 100 years of history of the industry, their own have some irreplaceable things in the total assets, so they still have a huge advantage。 In a short time, the traditional commercial banks will still dominate China's financial industry, but in the long run, the reform must be carried out, commercial banks should be combined with the rapid development of the rational use of the Internet and large data technology, In their own advantages and control of risk at the same time, taking a self-innovation movement to promote the development of China's financial industry。

Key words: Internet finance, third-party payments, network credit, commercial Banks

目录

一、 绪论 1

（一）研究背景 1

（二）研究内容 1

（三）研究意义 2

（四）国内外文献综述 2

（五）研究方法 3

二、互联网金融概述 3

（一）互联网金融 3

（二）互联网金融模式 4

三、 互联网金融对传统商业银行业务的影响 7

（一）基于SWTO模型下对传统商业银行竞争环境分析