摘要
现如今正是一个互联网全面渗透进人们生活的大数据信息化时代，购物、支付、通讯等领域无一不见证了互联网带来的巨大改变，当互联网技术和移动通信技术被用到金融领域时，互联网金融业态就出现了，有学者认为这种新型的金融模式回归了金融的本质，资金的供需双方实现了直接交易、金融托媒，极大的降低了市场信息的不对称以及交易的成本，也有学者认为网络金融依旧存在信息不对称且蕴含着极大的信用风险，避开了金融监管和一般性存款管理条例，应该加大对其的监管力度，保证正常的金融秩序，否则将为非法集资和非法投融资提供土壤。
对于互联网金融的讨论还没有一个普遍认可的结果，互联网理财的出现和快速发展又在业界和学术界激起了波澜。自 2013 年开始，随着电商平台的高速发展，互联网理财被越来越多的普通民众接受，余额宝的出现更是将这股浪潮推向了顶峰。P2P、众筹、微银行等名词被越来越多的提起。而传统商业银行，尤其是大型国有银行，面对信息化带来的机遇与挑战，面对日益激烈的市场竞争该怎样发挥出自己的优势以获得更多的市场份额就成为了一个急需面对的问题。
本文从互联网金融的解析和国内外发展研究入手，结合我国实际情况进行分析。
文章详细阐述了目前互联网理财的主要类型和运作机制及其体现出的优势和不足。本文通以余额宝和建行北京分行的发展为例，对目前互联网理财对银行的影响进行分析，探讨了银行业未来发展应对的走向，并提出了相应的建议。
关键词：互联网理财，商业银行，发展模式
Abstract
This is an Internet information era into people's life, shopping, payment,communications and other fields without witnessed tremendous changes brought by theInternet, as Internet technology and mobile communication technology is used in financialfields, the Internet financial form appeared, the theory that the nature of this new kind offinancial model regression financial the fund supply and demand sides, realizes the directtrading, financial supporting medium, greatly reducing the market information asymmetryand transaction costs, some scholars think that the network finance is still the existence ofinformation asymmetry and contains great credit risk, to avoid the regulations of financialsupervision and the general deposit management, should intensify the supervision of the, toensure the normal financial order, otherwise it will provide soil for illegal fund raising andillegal financing.
There is not a generally accepted results for discussion of Internet finance, InternetFinance and rapid development and made waves in the industry and academia. Since thebeginning of 2013, with the rapid development of the Internet business platform, financialmanagement is more and more ordinary people to accept, the emergence of Yu Ebao is thewave that culminated in. P2P, crowdfunding, micro bank noun is mentioned more andmore. But the traditional commercial banks, especially large state-owned banks, facing theopportunity and challenge of informationization brings, in the face of increasingly fiercemarket competition how to exert their own advantage to gain more market share hasbecome an urgent problem.
This article from the Internet financial analysis and Research on the development ofhome and abroad, analyses the actual situation in china. The paper expounds theadvantages and disadvantages of current main types and operation mechanism of InternetFinance and its embodied. This article through to the development of balance of treasureand CCB Beijing branch as an example, analysis of the current Internet financial impact onbanks, how to deal with the trends of future development of the banking industry, and putsforward corresponding suggestions.
Key Words: Internet financing, commercial banks, development mode
目录
1 绪论
1.1 选题背景及研究意义
1.1.1 选题背景
1.1.2 研究意义
1.2 国内外研究现状
1.2.1 国外相关文献综述
1.2.2 国内相关文献综述
1.3 本文研究内容和方法
1.3.1 研究内容
1.3.2 研究方法
1.4 本文框架结构
2 互联网理财的概念与发展
2.1 互联网理财的概念和类型
2.1.1 互联网理财的概念
2.1.2 互联网理财的类型
2.2 互联网理财的特点
2.2.1 互联网理财的优点
2.2.2 互联网理财的缺陷
2.3 互联网理财的发展情况
2.3.1 国外互联网理财发展情况分析
2.3.2 中国互联网理财发展情况及现状
3 互联网理财对银行影响的理论分析
3.1 互联网理财对银行有利影响
3.2 互联网理财对银行的不利影响
4 互联网理财对银行影响的案例分析--以余额宝对建行北京分行个人业务的影响为例
4.1 余额宝及其发展情况
4.2 建设银行北京分行个人业务发展现状
4.3 余额宝对建设银行北京分行个人业务的影响
5 银行应对互联网理财挑战的对策建议
5.1 银行应对互联网理财挑战的现行对策
5.2 银行应对互联网理财挑战的建议
6 结论与展望
6.1 结论
6.2 展望
参考文献
致谢
