【作者】 张玲；

【导师】 周葆生；

【作者基本信息】 安徽农业大学 ， 技术经济及管理， 2016， 硕士

【摘要】 金融危机爆发以来,发达经济体与新兴市场经济增长分化,国内经济也随之进入调整和转型时期。伴随着国内经济进入下行周期,商业银行高速发展模式不再持续,主要指标增速逐年下滑,利润增速于2015年降至谷底,而伴随着商业银行艰难转型的却是坏账高企,存款流失严重,内部管理不善造成负面新闻不断,更令传统商业银行感到压力的是来自创新平台——互联网金融的兴起。互联网金融在国家鼓励全民创新、大众创新的浪潮中脱颖而出,在极短时间内被公众广泛接受。自2010年的五年时间里,互联网金融探索出互联网理财、P2P贷款、众筹、互联网银行、第三方支付、大数据金融、金融信息服务等一系列颠覆公众有关传统金融认知的金融产品和服务。而其中诸如余额宝为代表的“宝宝”类理财产品、以微众银行为代表的互联网银行、以“支付宝”为代表的第三方支付平台、以蚂蚁金服为代表的互联网金融综合信息服务集团、以京东白条为代表的互联网短贷等产品和服务已经在改变公众日常生活。互联网金融在极短时间内的迅猛发展使得商业银行转型变得更为现实紧迫,如果传统商业银行不能够跟上互联网大潮对业务模式、经营理念、盈利模式、产品组合和服务等进行全方位改革,那么互联网金融生态圈一旦形成,对商业银行的威胁将是致命的。虽然目前商业银行在金融体系中占有绝对支配地位,但面对来势汹汹的互联网金融大潮必须提早做好应对和布局,利用互联网金融的经验和优势结合传统业务进而实现转型是当前商业银行可供选择的优选方案之一。互联网银行发展初期存在着监管不明朗、风险不确定、方向不明确等弊端,但随着国家层面对互联网金融的支持和写入2015年度中央政府工作报告已经能够看出此次互联网金融大潮必然会改变公众对于金融的理解。本文从互联网金融的兴起和发展入手,通过详细分析互联网金融目前的发展模式和生态圈建设,结合商业银行自身的业务模式、产品设计和服务,指出商业银行相对于互联网金融存在的问题,分析具体影响的因素和程度,最后给出商业银行应对互联网金融的策略,包括商业银行应具备互联网思维、强化人才储备与核心竞争力、与互联网金融企业优势互补、实施双线差异化经营模式等。互联网金融的兴起和发展是金融发展的一个新的阶段,但无法替代传统商业银行。商业银行应当趋利避害,主动变革,在互联网大潮中强化自身实力和产业布局,补齐短板,为市场经济的转型升级提供稳定安全的金融保障。更多还原

【Abstract】 Since the financial crisis,advanced economy and emerging market economy grew differently and the domestic economy entered the adjustment and transition period as well.With the domestic economy moving into a downward cycle,the rapid development of commercial bank no longer sustained,the growth rate of main indicators has been declining and profit growth rate bottomed out in 2015.Along with the difficult transition of commercial banks are high bad debts,heavy loss of deposits and negative press from internal mismanagement.What’s more,traditional commercial banks are impacted profoundly by innovation platform-the rise of the internet banking.Internet banking stands out to the fore in the tide of national and public innovation which is encouraged by nation.In a very short period of time,it is widely accepted by public.Five years since 2010,the Internet banking has explored internet money management,P2 P loans,crowd funding,Internet banking,third-party payment,large financial data,financial information and a series of financial products and services which subverted the traditional public awareness.Of which,some financing products represented by Yuebao,some internet banks represented by Webank,some third party payment platforms represented by “Alipay”,Internet financial information services group represented by Ants Financial Services and short-term internet loans represented by Jingdong IOUs are changing public’s daily life.The rapid development of Internet banking makes the transition of commercial bank become more important and urgent,if traditional commercial banks can not keep up with the tide of the Internet banking,reforming the business model,philosophy,profit model,product portfolio and services all-round,the threaten to commercial banks would be fatal once the Internet financial ecosystem is formed.Commercial banks must be well prepared against the tide of Internet banking although it has the absolute dominance in the financial system.Making use of the Internet banking experience and advantages combined with traditional business is the preferred option currently.There are some abuse in the early development of Internet banking such as supervision uncertainty,risk uncertainty,aim uncertainty,but with the national level of internet financial support and written into 2015 annual report on the work of the central government shows the Internet banking is bound to change public financial understanding.This article starts with the rise of Internet financial and development,gives a detailed analysis of current Internet financial development model and ecosystem construction,combined with the business models,product design and service of commercial banks,note out the disadvantages against the Internet banking,analyze the specific factors and degree of impact and points out coping strategy for commercial banks towards Internet banking,including the commercial banks should have Internet thinking,strengthen personnel reserves and core competitiveness,complement with Internet banking companies and the implementation of double differences in management mode,etc.The rise and development of Internet banking is a new stage of financial development,while it can not replace the traditional commercial banks.Commercial banks should avoid disadvantages,change initiatively,strengthen itself and industrial layout in the tide of the Internet,pad short board so that to provide a stable and safe financial security for the upgrade of the market economy in transition.更多还原