摘 要

随着经济飞速发展，我国金融市场环境发生较大改变，小微贷款在市场上占比变得越来越重要。传统商业银行受到利率的市场化、各类新型投资产品出现以及科技等因素的影响，需要自身做出策略转型，互联网金融的高速发展对银行小微贷款业务的冲击引起了各类金融机构及投资者的关注。分析商业银行的小微贷款业务则必不可少对互联网对其产生的冲击进行研究，并找到互联网飞速发展的原因，这对于银行本身发展小微贷款业务具有指引作用。而本论文通过分析互联网金融对湖南省建设银行小微贷款业务的影响及成因，并结合SWOT分析，以互联网金融下国外商业银行的小微贷款业务案例进行对比，从湖南省建设银行小微贷款业务应对互联网金融的角度进行研究，首先讲解互联网金融与小微贷款业务概述，在分析湖南省建设银行小微贷款业务现状的基础上着重探讨了互联网金融对湖南省建设银行的冲击并提出相应建议，来提升商业银行的核心竞争力与价值，提高银行利润收入，促进银行更好的发展。

【关键字】小微贷款业务；传统商业银行；互联网金融

abstract

With the rapid economic development, China's financial market environment has changed greatly,and the proportion of small and micro loans in the market has become more and more important. Traditional commercial banks are affected by the marketization of interest rates, the emergence of various new investment products and technology and other factors, so they need to make strategic transformation themselves. The impact of the rapid development of Internet finance on the small and micro loan business of banks has attracted the attention of various financial institutions and investors. To analyze the small and micro loan business of commercial banks,it is essential to study the impact of the Internet on them and find out the reasons for the rapid development of the Internet, which has a guiding role for the development of small and micro loan business of banks themselves. Financial construction of hunan province, this paper analyzes the Internet bank and cause the influence of small loan business, and connecting with the SWOT analysis,with the foreign commercial Banks under the conditions of the Internet financial,comparing the small loans business case from hunan construction bank small microloan business to deal with the Internet to research the financial point of view,the first interpretation of the Internet financial and small micro loan business overview, based on the analysis of the present situation of hunan construction bank small loans business discussed in this paper on the basis of the Internet financial impact to the construction bank of hunan province and put forward the corresponding Suggestions, to enhance the core competitiveness of commercial Banks and the value, increasing the income of Banks' profits, Promote the better development of banks.