摘要
近年来，互联网金融快速发展，已延伸至各个领域，其主要业务已经影响到传统
商业银行的业务开展，P2P 网贷业务压缩商业银行的利差空间，第三方支付业务挤占
商业银行的小额结算市场，并有取而代之的发展势头。传统商业银行业作为传统金融
的主体，其发展至关重要，关系着国家经济的稳定，所以，传统商业银行应对互联网
金融冲击的措施决定了其战略发展方向，同时运营管理是商业银行发展的基础，商业
银行运营管理能力的高低关系着商业银行经营战略的成败，关系着商业银行核心竞争
力的实施。互联网金融对商业银行的冲击势必影响到商业银行的运营管理，而商业银
行运营管理在应对互联网金融冲击方面还很薄弱，商业银行也并未多加重视。所以本
研究有利于商业银行更好地认识到互联网金融带来的影响，有利于我国商业银行在运
营管理方面做出积极的应对措施，更好地借助互联网模式发展自身以应对时代的发展，
还有利于我国监管部门实施监管权力，以商业银行的监管为借鉴防范互联网金融的风
险。因此，研究互联网金融对我国商业银行运营管理的影响具有重要的价值。

本文采用的规范分析法、文献研究法、比较分析法，以金融中介理论分析互联网
金融的特点，以金融创新理论分析互联网金融对我国商业银行的影响，以流程再造理
论提出具体应对措施，除了以上的理论支撑，本文还在梳理前人研究文献的基础上分
析了互联网金融对我国商业银行运营管理的具体影响，得出了互联网金融对我国商业
银行运营管理的改进有促进作用的结论，并在业务流程、客户服务、风险管控方面提
出相应的应对措施。

关键词：互联网金融；商业银行；运营管理；流程再造
作 者：曾玉倩
指导老师：俞雪华II
A Study on the Influence of Internet Finance to the
Operational Management of China &39;s Commercial Banks
Abstract
In recent years, the rapid development of Internet finance, has been extended to
various fields，Its main business has affected the business of traditional commercial
banks,P2P loan business reduce the spread of commercial banks, The third party payment
business squeezes the small settlement market of commercial banks, and have substituted
trends.Traditional commercial banking industry as the main body of traditional finance, its
development is essential, the relationship between the stability of the national
economy,Therefore, the traditional commercial banks to deal with the impact of the
Internet financial measures determine the direction of its strategic development,At the
same time, operation and management is the basis of the development of commercial
banks. The operation and management ability of commercial banks is related to the success
or failure of commercial banks&39; business strategy, which is related to the implementation of
core competitiveness of commercial banks,The impact of Internet finance on commercial
banks is bound to affect the operation and management of commercial banks, and
commercial bank operations management in response to the impact of the financial impact
of the Internet is still very weak, commercial banks have not paid more attention.Therefore,
this study is conducive to commercial banks to better understand the impact of Internet
finance is conducive to China&39;s commercial banks in the operation and management to
make positive response measures to better use the Internet model to develop their own to
cope with the development of the times, but also Is conducive to the implementation of
regulatory authorities in China regulatory power to prevent the risk of Internet
finance,Therefore, it is of great value to study the impact of Internet finance on the
operation and management of China&39;s commercial banks.
This paper uses the normative analysis method, the literature research method, the
comparative analysis method, analyzes the characteristics of the Internet finance with the
financial intermediary theory, analyzes the influence of the Internet finance on the
commercial banks in China, and puts forward the concrete measures according to the
theory of process reengineering. This paper analyzes the concrete influence of InternetIII
finance on the operation and management of commercial banks in China, and draws the
conclusion that Internet finance has a positive effect on the improvement of the operation
and management of commercial banks in China. At the same time, Business processes,
customer service, risk control aspects of the corresponding response measures
Key words: Internet finance; commercial bank; operation and management; process
reengineering
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Written by：Zeng Yuqian
Supervised by：Yu Xuehua
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1.绪论 1
1.1 研究背景.......1
1.1.1 互联网金融发展迅猛.1
1.1.2 互联网金融对我国商业银行的冲击巨大.....2
1.1.3 互联网金融同时也影响着我国商业银行的运营管理.........2
1.1.4 我国商业银行运营管理应对互联网金融的措施存在不足.2
1.1.5 研究互联网金融发展对我国商业银行运营管理影响的必要性.....3
1.2 研究意义.......3
1.3 相关研究综述...........4
1.3.1 有关互联网金融的概念内涵及其特征的研究.........4
1.3.2 有关互联网金融对我国商业银行影响的研究.........5
1.3.3 有关我国商业银行应对互联网金融发展对策的研究.........6
1.4 研究方法、研究思路及框架...........8
1.4.1 研究方法.........8
1.4.2 研究思路.........9
1.4.3 研究框架.........9
1.5 本研究可能的创新.10
2.互联网金融相关概述 · 12
2.1 研究互联网金融对我国商业银行运营管理影响的相关理论.....12
2.1.1 金融创新理论...........12
2.1.2 功能金融理论...........13
2.1.4 流程再造理论...........14
2.2 国内互联网金融的业务模式分析14
2.2.1 第三方支付...15
2.2.2 P2P 互联网贷款 ......16
2.2.3 众筹...17
2.2.4 互联网理财产品服务...........172.3 互联网金融的特点及定位18
2.3.1 互联网金融投资门槛低而收益相对较高..18
2.3.2 互联网金融更加便捷从而客户体验感更好..........18
2.3.3 互联网的信用风险评价机制基于大数据而有所创新......19
2.3.4 互联网金融体验更广泛而具有金融普惠性.......