商業(yè)銀行應(yīng)對互聯(lián)網(wǎng)金融沖擊的對策探討(已修改)
2025-07-08 07:51 本頁面
【正文】 . . . .畢 業(yè) 論 文Graduation Thesis(20132017年) 題 目：商業(yè)銀行應(yīng)對互聯(lián)網(wǎng)金融沖擊的對策探討 學(xué)生姓名： 陳心琴 起訖日期： 學(xué)習(xí)參考摘 要我們已經(jīng)完全走進(jìn)了互聯(lián)網(wǎng)金融這樣的一個大時代,這個時代給金融市場化的改革注入了新的力量,互聯(lián)網(wǎng)和金融這兩個本身就很熱門但互不相關(guān)的兩個行業(yè),經(jīng)過了這樣的結(jié)合之后給商業(yè)銀行帶來了很大的壓力。因為商業(yè)銀行的盈利主要是依靠以利差為主的業(yè)務(wù)。面對這么大的挑戰(zhàn)，我們國家的商業(yè)銀行不得不順應(yīng)市場的需求,對金融改革以及其創(chuàng)新的領(lǐng)域要有所重視，筆者在本文中主要對當(dāng)前我國商業(yè)銀行在經(jīng)受互聯(lián)網(wǎng)金融浪潮的影響之下做出的相應(yīng)措施進(jìn)行研究。以當(dāng)前我國互聯(lián)網(wǎng)金融如此飛快發(fā)展的背景下,我國的商業(yè)銀行以前在金融服務(wù)上，例如資金的信貸和支付中介等等方面的優(yōu)勢不再，面對這么大的不利局勢，商業(yè)銀行要做出應(yīng)對措施,因為現(xiàn)在不僅僅是商業(yè)銀行自身的利益受到了損害,而且國家的金融體系健康穩(wěn)定發(fā)展也在這樣的時代中受到很大的影響。筆者想要通過本文嘗試分析互聯(lián)網(wǎng)金融這個時代給我國商業(yè)銀行在業(yè)務(wù)上帶來的不利現(xiàn)象，并依據(jù)得到的分析結(jié)果以對當(dāng)前我國的商業(yè)銀行的發(fā)展問題做出相關(guān)的中肯建議。 關(guān)鍵詞：互聯(lián)網(wǎng)金融； 商業(yè)銀行；沖擊 AbstractWe have entered a era of Internet finance this, this time into a new force for the reform of the financial market, the Internet and finance the two itself is very popular but two industries unrelated, after such a bination to the mercial banks have brought great pressure because of the mercial. The bank39。s profit mainly rely on to spread mainly business. Facing such a big challenge, our country39。s mercial banks have to ply with the demand of the market, strengthen the reform and innovation of financial services, this paper mainly studies the China39。s mercial banks in the financial wave of the Internet on the traditional banking business under the impact of the corresponding measures. In the rapid development the Internet financial and economic situation, China39。s mercial banks in financial services, such as financial credit and payment intermediary etc. advantage is no longer, in the face of this What39。s the adverse situation, the mercial bank must carry on the reform and transformation, because it is not just the mercial bank39。s own interests have been damaged, and the financial system of the healthy and stable development of countries at the same time greatly affected by this. I want to try this era of Internet financial analysis to our country mercial bank bad phenomenon bring in business, and put forward the development of China39。s mercial banks some pertinent advice in these analyses.Key words: Internet； Finance； banking； petition目 錄摘 要 1Abstract 2一、緒論 4（一）研究背景
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