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本文从 JX 银行的角度，研究在互联网金融的快速发展冲击下，银行受到哪
些影响，应当如何把握好互联网金融的发展机遇进行业务转型。通过分析，本
文认为，互联网金融的发展在很大程度上影响了 JX 银行传统金融行业的业务发
展、市场拓展、客户群体沉淀，使得银行金融中介角色逐渐弱化，利率市场化
进程加快，银行利差收入逐渐减小，金融脱媒速度更快。然后就互联网金融对
JX 银行的资产、负债、中间业务收入三个方面的影响进行了分析和阐述，再对
当前各家商业银行参与互联网金融新兴业务模式进行逐个阐述和优劣势分析，
并重点从监管背景、“互联网+”金融产品、业绩数据分析等方面具体剖析了 JX
银行。最后，对 JX 银行在互联网金融方面应该如何发展提出相应的策略
本文认为，传统银行金融模式并不会被互联网金融所取代，互联网金融只
是为传统金融注入一股新的能量，JX 银行应该结合自身的优势将互联网金融的
影响转换为自身发展的机遇，最终达到可持续发展
关键词：互联网金融、JX 银行、应对策略ABSTRACT
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ABSTRACT
With the rapid development of social economy，the Internet-based finance,
represented by crowd-funding, P2P net loan, third-party payment and e-commerce,
has been continually penetrating into the traditional banking, bringing new changes
to the traditional industry which has last for a hundred year. The quick and simple
model of internet finance has substitution effect on the traditional one, producing a
tremendous impact on the entire banking industry. Since there is a certain gap
between the city commercial banks and the large state-owned commercial banks in
terms of size, systems and risk management, the city banks will have to face even
greater challenges. Therefore, they should promptly adapt to these influences and
actively carry out construction of the Internet finance, thereby realizing the
transformation of business model.
This paper generally analyzes the impact of rapidly developed internet-based
finance on city commercial banks from their own perspectives, starting from the
characteristics of the Internet finance. Discussion has been made on necessary
measures which need to be taken in the face of the influence made by the
transformation. Through the analysis, the author argues that internet-based finance
has made city commercial banks gradually weak as financial intermediary, making a
contribution to promoting disintermediation. Besides, it accelerates the liberalization
of interest rate, improves the efficiency of the allocation of resources as well as
reduces the benefit of rate differences, Great impact and challenge to the traditional
business，service concept, channel coverage and customer groups.
Furthermore, elaboration and discussion have been made on the influence
internet banking has on city commercial banks from three aspects, namely liabilities,
assets and income from intermediaries. The author analyzes the advantages and
disadvantages that different commercial banks have on new business mode which
builds up their internet-based finance. A case study on the internet JX Bank is
provided in this paper mainly analyzing its regulatory background, “Internet plus”
financial products and data on performance, etc. In the end,this paper provides theABSTRACT
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corresponding strategies of developing the Internet banking for the JX bank
In conclusion, this paper holds an argument that internet-based finance will not
completely take the place of the traditional model. To the development of JX banks,
the opportunities outweigh the challenges. Therefore they should take these
opportunities and achieve sustainable development through obtaining the strengths
of each other and sharing resources .
Key words：Internet Finance; JX Banks;Business Strategy目 录
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目 录
第 1 章 导论.....1
1.1 研究背景 .........1
1.2 研究目的及意义 .........2
1.3 国内外研究现状及述评 .........3
1.3.1 国外研究现状 ...3
1.3.2 国内研究现状 ...4
1.4 论文的研究思路 .........5
1.5 研究方法 .........6
1.5.1 案例分析法 .......6
1.5.2 文献综述法 .......6
第 2 章 互联网金融理论概述.8
2.1 互联网金融的概念、产生背景 .........8
2.1.1 互联网金融的概念 .......8
2.1.2 互联网金融产生的背景 ...........8
2.2 互联网金融的主要功能 .........9
2.3 互联网金融的发展现状 .........9
2.3.1 国外互联网金融发展现状 .......9
2.3.2 国内互联网金融发展现状 .....10
2.4 互联网金融发展的相关理论 ...........12
2.4.1 PEST 分析理论12
2.4.2 波特五力模型分析理论 .........12
2.4.3 SWOT 分析矩阵理论 ..13
第 3 章 JX 银行在互联网金融时代的发展现状分析..........15
3.1 JX 银行简介...15
3.2 JX 银行金融业务发展现状分析.......16
3.2.1 人力资源分析 ..16目 录
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3.2.2 创新能力分析 .17
3.2.3 业务能力分析 .17
3.2.4 客户资源分析 .19
3.2.5 营销管理分析 .19
3.3 互联网金融对 JX 银行影响分析.....20
3.3.1 互联网金融使
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