摘要
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摘要
进入 21 世纪以来，互联网技术的发展催动了互联网金融的发展。2013 年被
称为互联网金融元年，在这一年淘宝推出了货币基金理财产品“余额宝”，以阿里
巴巴、百度、腾讯为代表的互联网企业对金融领域的业务拓展、创新愈演愈烈

互联网金融的创新与发展也逐步受到了学术界、业界和政府的重视与肯定

作为我国金融核心的商业银行，已经积累了丰富的互联网金融业务运行的
基本经验，构建了完善的风险管理体系，拥有大量人才，存储了大量数据，同
时还拥有资金、客户等优势。面对国内互联网金融创新带来的巨大冲击，传统
商业银行纷纷在业务模式创新、信息技术创新等方面进行了诸多探索

在当前我国的互联网金融发展时间不长但发展迅速，相应的法律法规滞后，
适应互联网金融特点的风险防范和监管体系尚未建立，技术和平台等环境还不
够成熟，使得互联网金融不仅具有金融机构普遍存在的风险，还具有自身所特
有的一些风险。加强风险防范成为了促进互联网金融持续健康发展和保持金融
体系安全稳定的现实需要

本文以国有商业银行 Z 银行江西省分行为例，分析了其互联网金融业务的
发展现状和存在的问题，借鉴国内其他国有商业银行互联网金融业务的发展经
验，针对 Z 银行江西省分行如何发展我国互联网金融提出了相应的发展政策

通过对 Z 银行江西省分行的互联网金融业务的研究，有利于加快其传统经
营服务模式的深层次变革，促进商业银行运营管理模式、业务发展模式、产品
服务模式、人才管理模式以及风险管控模式等的转型与创新，具有十分重要的
理论和实践意义

关键词：互联网金融，商业银行，创新Abstract
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ABSTRACT
Since twenty-first Century， The development of the new Internet technology
has proven to be a catalyst for a new financial format --Internet Finance. 2013 known
as the first year of Internet finance， in this year Taobao launched the IMF financial
product YueBao，Internet companies， such as Alibaba， Baidu and Tencent，
Involved in the financial sector intensified. The Internet financial innovations have
been ell-received in society and brought the attention and win the support on the
national-level.
As the core of the financial in our country ， commercial banks have
accumulated the experience from decades of financial business operation， set up a
rather sound risk management system and have talents. They also have saved a large
quantity of ‘Big data’ within their system and have an advantage in terms of funds
and clients. Domestic Internet Finance innovation has brought huge impact to the
traditional banking services. Commercial banks carried through a series of
innovations about the business mode， information technology and so on.
The Internet is still in the initial stage of development， because there are no
sound laws and regulations about Internet finance ， nor risk prevention and
supervision system which adapts to the characteristics of Internet finance ，
technology and platform is not mature enough， so that the Internet has not only
widespread financial risks of financial institutions， but also has some risks that are
specific to their own. To strengthen risk prevention has become a practical demand of
promoting the sustainable and healthy development of Internet finance and
maintaining the security and stability of the existing financial system.
From the perspective of Z Bank Jiangxi branch， this essay analyzes the state
and problems of Internet finance and draws on the experiences of other commercial
banks. It puts forward some relevant policy suggestions on the way to develop the
internet finance of China.
Through the studies of the innovation of the state owned commercial bank--Z
Bank Jiangxi branch under the mode of internet finance will fasten the deep reformsAbstract
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in the tradition service pattern， promote the transformation and innovation in the
operation management pattern， business development pattern， product service
pattern， talent management pattern， and risk management pattern， which is of
great theoretical and practical significance.
Key words: Internet Finance， Commercial bank， Innovation目 录
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目 录
第 1 章 绪论.....1
1.1 研究背景和意义 .........1
1.1.1 研究背景 ...........1
1.1.2 研究意义 ...........2
1.2 国内外研究现状 .........3
1.2.1 国外研究现状 ...3
1.2.2 国内研究现状 ...3
1.3 研究思路和方法 .........5
1.3.1 研究思路 ...........5
1.3.2 研究方法 ...........6
1.4 论文创新点和不足 .....6
1.4.1 论文创新点 .......6
1.4.2 研究不足 ...........7
第 2 章 互联网金融业务的理论基础.8
2.1 互联网金融的基本概念、本质、特征及其风险 .....8
2.1.1 互联网金融基本概念 ...8
2.1.2 互联网金融的本质 .......8
2.1.3 互联网金融的特征 .......9
2.1.4 互联网金融风险的定义和特征 ...........9
2.2 互联网金融代表性理论 .......10
2.2.1 信息不对称理论 .........10
2.2.2 大数据理论 .....11
2.2.3 长尾理论 .........11
2.3 互联网金融发展概述 ...........12
2.3.1 互联网金融发展的历程 .........12
2.3.2 互联网金融发展的现状 .........13目 录
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2.3.3 互联网金融发展的趋势 .........14
第 3 章 Z 银行江西省分行互联网金融业务发展现状分析16
3.1 Z 江西省分行互联网金融业务发展的基本情况.....16
3.1.1 Z 银行江西省分行互联网金融业务发展实践...........16
3.1.2 Z 银行江西省分行互联网金融业务发展的原因分析...........16
3.1.3 Z 银行江西省分行互联网金融业务取得的成效.......17
3.2 互联网金融对 Z 银行江西省分行的影响分析.......18
3.2.1 负债业务的影响 ..
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