【摘要】互联网金融是互联网企业利用互联网技术和信息通信技术实现资金融通、支付结算、投资理财和信息中介服务的新型金融业务模式，具有成本低、效率高、覆盖广、发展快、管理弱、风险大的特点。本世纪以来，以第三方支付、互联网投融资和理财以及互联网金融产品销售为主要模式的互联网金融服务快速发展，在给商业银行带来机遇的同时，也在客户基础、业务量、资金来源结构和资金成本、经营模式等方面，给商业银行带来了挑战。为了有效应对互联网金融的挑战，商业银行必须加大信息技术的投入、拓宽电子业务渠道、深化与互联网金融企业的合作、加强队伍建设、提升风险防控能力。

【 Abstract 】 【关键词】互联网金融；商业银行；金融业竞争

the 21st century, science and technology have developed rapidly,and the application of the Internet has also been widely expanded, especially in the field of finance. The Internet finance industry has been developing continuously.The emerging Internet finance industry has joined the base camp of the financial industry,which can be said to be the innovation and reform of the traditional financial industry. Internet finance is a new financial business model in which Internet enterprises use Internet technology and information communication technology to realize capital financing,payment and settlement, investment and financial management, and information intermediary services. It has the characteristics of low cost, high efficiency,wide coverage, fast development, weak management, and high risk. Since this century, with the third party payment,Internet and Internet financial investment and finance product sales as the main mode of the rapiddevelopment of Internet financial services in commercial Banks to bring opportunities at the same time, also in the customer base, business and capital source structure and the cost of capital, management mode, etc., brings the new challenges to commercial Banks.In order to effectively deal with the challenges of Internet finance,commercial banks must increase the input of information technology,broaden the channels of electronic business,deepen the cooperation with Internet financial enterprises, strengthen the team building, and enhance the ability of risk prevention and control.

【关键词】互联网金融；商业银行；金融业竞争

目录

引言------------------------------------------------------------4

一、研究现状与文献综述------------------------------------------4

（一）国外研究现状与文献综述----------------------------------4

（二）国内研究现状与文献综述----------------------------------5

（三）对研究现状的评价----------------------------------------6

二、互联网金融的概念和特征--------------------------------------6

（一）互联网金融的概念----------------------------------------6

（二）互联网金融的特征----------------------------------------7

三、互联网金融的模式与发展现状----------------------------------8

（一）互联网金融的模式----------------------------------------8

（二）互联网金融的发展现状------------------------------------10

四、互联网金融给商业银行带来的影响------------------------------14

（一）互联网金融给商业银行带来的好处--------------------------14

（二）互联网金融给商业银行带来的挑战--------------------------15

五、商业银行的应对策略------------------------------------------20

（一）加大互联网金融投入--------------------------------------20

（二）开拓电子网点渠道----------------------------------------22

（三）加强人才队伍建设----------------------------------------23

（四）提升风险防控能力----------------------------------------25

（五）创新提供多样化服务--------------------------------------26

（六）提高普惠金融服务能力------------------------------------26

参考文献-------------------------------------------------------28

致谢-----------------------------------------------------------30