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本文运用文献研究法，搜集和梳理了前人关于互联网金融和商业银行转型升
级的研究成果，并运用管理学相关原理，通过规范研究方法对传统商业银行面对
互联网金融的兴起所受到的冲击及其转型策略问题进行了研究
本文认为互联网金融与传统商业银行各有优劣，这些优劣势具有很强的互补
性，原因在于互联网金融是市场经济发展的产物，它的出现正是由于传统商业银
行存在不足之处。论文分析了互联网金融对传统商业银行的影响，认为通过政府
引导和监管、行业自律以及企业增强法制观念等措施，互联网金融的不足之处能
够得到逐步弥补，因而发展前景良好。传统商业银行如果忽视这种状况，必然面
临竞争优势坍塌、三大业务受到冲击的严峻挑战。论文以企业转型的一般规律为
基础，提出了商业银行的转型方向，包括充分利用现代信息技术改造传统的业务
流程、发挥自身优势引领互联网金融健康发展、大力应用互联网新技术、通过改
革增强创新能力、重新定义目标客户群体等五个方面。为此，商业银行在具体的
转型策略上必须重视四个方面：以“开放、平等、协作、快速、分享”的互联网精
神促进经营理念的变革，积极构建适应大数据时代的服务系统，打造适应互联网
金融发展的研发体系，依托竞争优势发展互联网金融业务，建立新型人力资源管
理系统，并分别对五个转型策略提出了具体任务和要求
关键词：互联网金融；传统商业银行；影响；转型Abstract
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Abstract
As an important part of modern service industry and support power for economic
and social development, the commercial bank is being under the influence of the
Internet. The urgency of the innovation and development of the traditional commercial
bank restructuring and upgrading has become increasingly prominent, especially since
2013, the rapid development of Internet banking has brought a serious impact on
traditional commercial banks, and made a significant impact on their competitiveness.
The survival and development of commercial banks will be under threat necessarily if
this problem has not attracted attention.
Using the literature research method, this thesis collects and sorts out the previous
research on the Internet financial and upgrading of commercial banks. Using relevant
principles of management, this thesis analyzes the impacts of traditional commercial
banks facing the rise of Internet banking and its transformation strategy through the
normative research method.
This paper argues that Internet banking and traditional commercial banks have
their own advantages and disadvantages, which are highly complementary. The reason
is that Internet banking is the product of market economy, and its emergence is due to
the shortcomings of traditional commercial banks. This thesis believes that the
shortcomings of internet financial will be solved step by step through guidance and
supervision from government, self-regulation from industry and strengthening the
concept of law of enterprises. The impact of internet banking on traditional commercial
banks is manifested in collapse and reconstruction of the competitive advantage, and
the charge of three major business including liabilities business, asset business,
intermediate business. Based on the general rules of enterprise transformation, this
thesis proposes the transformation direction of commercial banks, including the full use
of modern information technology to transform the traditional business process, playing
own advantages to lead the healthy development of internet banking, vigorously
applying new Internet technologies, enhancing innovation ability through reform and
redefinition of target market. Therefore, commercial banks must pay attention to four
aspects in the transformation, promoting the business philosophy, constructing the
service system to adapt to the era of big data, building a research and development
system to adapt to the development of internet banking, and establishing a new humanAbstract
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resource management system. The thesis puts forward specific tasks and requirements
for these five transformation strategies.
Key words: Internet banking; traditional commercial banks; influence;
transformation.目录
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目录
摘要. I
Abstract .....III
第一章 绪论...........1
第一节 选题背景......1
第二节 研究目的和意义......1
第三节 国内外研究现状评述..........2
一、国外研究现状......2
二、国内研究现状......3
三、研究现状评述......4
第四节 研究方法......4
一、文献研究法..........4
二、规范研究法..........4
第五节 技术路线......5
第六节 论文结构......5
第二章 互联网金融与传统商业银行的比较......7
第一节 互联网金融产生和发展的社会动因..........7
一、互联网金融的基本内涵 ..7
二、互联网金融的发展历程 ..7
三、互联网金融产生和发展的社会动因 ......8
第二节 互联网金融与传统商业银行的比较..........9
一、本文关于传统商业银行的界定 ..9
二、互联网金融与商业银行优劣势的比较 10
三、互联网金融与商业银行优劣势互补的原因.....10
第三节 互联网金融的优势与不足11目录
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一、互联网金融的特点........11
二、互联网金融的主要优势 13
三、互联网金融存在的问题 14
第四节 传统商业银行的优势与不足........15
一、传统商业银行的主要优势 ........15
二、传统商业银行存在的问题 .
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