摘 要

近几年来，互联网金融在我国迅速发展，经过一段时间的积累和沉淀，互联网金融企业获取了大量的交易信息，并通过对数据的整理、加工，逐渐掌握了互联网用户的交易习惯和金融服务需求，为了提高互联网金融服务水平，互联网企业的金融功能不再是单纯的支付结算，而是渐渐的向查询缴费、代销基金和信贷管理等业务进行转变。互联网的出现，并与金融行业相结合，改变了传统金融业原本的经营方式，给金融行业带了新的发展思路和广阔的发展前景。

本文首先对国内外的互联网金融发展现景进行了分析，并含有指向性地指出了我国互联网金融发展现状以及我国金融行业部分具体情况，从而进行简单分析研究。其次，本文通过swot 分析法分析了我国商业银行—江西农商银行在互联网金融蓬勃发展的背景下，所面临的机遇和挑战，并据此分析提出今后的发展思路。虽然商业银行的发展受到了互联网金融的挑战，但是互联网金融出现时间较短，而商业银行凭借其雄厚的客户根基、充足的资金实力、完善的业务体系，在很多金融应用领域仍有很强的竞争优势，在目前的经济环境下，商业银行仍旧难以被互联网金融所取代。本文运用 swot分析法，结合具体的案例，对商业银行今后发展提出建议和对策。

江西科技学院本科生毕业论文（设计）

关键词：互联网金融；传统商业银行；SWOT 分析Ⅰ

Abstract

In recent years, Internet finance is developing rapidly in China,After a period of accumulation and precipitation,Internet financial enterprises have obtained a large amount of transaction information, Through the collation and processing of data, we have gradually mastered the trading habits and financial service needs of Internet users. In order to improve the level of Internet financial services,the financial function of Internet enterprises is no longer simply payment and settlement, but gradually changes to such businesses as inquiry and payment, consignment fund and credit management. The emergence of the Internet and its combination with the financial industry have changed the original operation mode of the traditional financial industry and brought new development ideas and broad development prospects to the financial industry.

This paper first analyzes the development status of Internet finance at home and abroad, and specifically analyzes and studies the development status of Internet finance in China and the specific situation of China's financial industry. Secondly, this paper analyzes the opportunities and challenges faced by Jiangxi Agricultural Commercial Bank, a commercial bank in China,under the background of the vigorous development of Internetfinance through SWOT analysis method, and puts forward the future development ideas based on this analysis. Although the development of commercial banks has been challenged by Internet finance,However, Internet finance has appeared for a short period of time,and commercial banks still have strong competitive advantages in many financial application fields with their strong customer foundation, sufficient financial strength and perfect business system. In the current economic environment,commercial banks are still difficult to be replaced by Internet finance. This paper uses SWOT analysis method and combines with specific cases to put forwardsuggestions and countermeasures for the future development of commercial banks.