中国社会科学院研究生院
学位论文原创性声明和版权使用授权书
原创性声明
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撰写过的作品成果。对本论文的研究做出重要贡献的个人和集体，均已在文中以明确方
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学位论文作者签名：
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摘 要
自改革开放以来，我国商业银行以其资源占有和信用等级方面的巨大优势，在金融市场领域向
来处于垄断地位，营业收入十分可观。随着移动互联网和大数据技术的兴起与广泛应用，互联网金
融也随之不断发展并逐步壮大。互联网金融的创新模式种类繁多，包括第三方支付、P2P借贷、众
筹、互联网理财等金融创新业务。新兴互联网金融企业依托大数据、云计算等技术，以“便捷、公
开、透明”的优势，逐渐打破了商业银行的传统垄断格局，并对其各项业务的影响也日趋明显
未来，伴随着“互联网+”模式的不断发展，新兴互联网金融企业将会与商业银行展开更加激烈
的竞争。商业银行要想在竞争中求得生存与发展，势必进行业务转型。这对商业银行来说不仅是挑
战更是全新的机遇，尤其将对商业银行零售业务的竞争格局产生深远影响。因此，认真分析在互联
网金融模式冲击下，我国商业银行的应对之策十分必要
因此，本文旨在从互联网金融概念的界定开始，分析互联网金融的发展历程、监管现状及业务
模式。深度剖析其对我国商业银行零售业务的诸多影响。通过比较分析、实证研究等方法，对互联
网金融背景下如何提升商业银行零售业务竞争力提出应对策略，从而引导商业银行新一轮零售业务
的转型探索与创新发展
关键词：互联网金融；商业银行；零售业务；金融脱媒；转型
ABSTRACT
Since the reform and opening up, China’s commercial banks have been in a monopoly position in the
financial market with its advantages in resource possession and credit rating , and their operating income
mainly relies on deposit and loan spreads. With the rise and wide application of mobile Internet and big
data technologies, Internet finance has also continued to develop and gradually grow. Internet finance has a
wide range of innovative models, including financial innovation services such as third-party payment, P2P
lending, crowdfunding, and Internet wealth management. Internet finance, relying on big data and cloud
computing technology, quickly took advantage of “convenient, open and transparent” financial market
opportunities, and gradually broke the traditional monopoly of commercial banks, and its influence on
various businesses was also growing. obvious.
In the future, along with the continuous development of the “Internet Plus” model, Internet finance
will compete more fiercely with commercial banks. If a commercial bank wants to survive and develop in
competition, it is bound to conduct business transformation. This is not only a challenge but also a
brand-new opportunity. It will have a far-reaching impact on the market competitiveness of the retail
business. Therefore, it is necessary to discuss in depth the business model of Internet finance and the
impact on commercial banks, and put forward a reasonable response.
Therefore, the purpose of this paper is to begin with the definition of the concept of Internet finance,
analyze the development history and business model of Internet finance, and analyze its many impacts on
the retail business of commercial banks in China. By means of comparative analysis, empirical research
and other ways, the impact of the Internet financial How to improve the competitiveness of commercial
banks' retail business and propose strategies to guide the transformation and innovation of commercial
banks' new retail business.
KEY WORDS: Internet finance, Commercial bank, Retail business, Transformation, Financial
disintermediation
目 录
第一章 绪论 ......... 1
第一节 选题背景、目的及意义 ... 1
一、选题背景 .... 1
二、研究目的及意义 .......... 1
第二节 研究内容与方法 ......... 1
一、研究内容 .... 1
二、研究方法 .... 2
第三节 研究综述 ... 2
一、国外文献研究综述 ........ 2
二、国内文献研究综述 ........ 3
三、文献评述 .... 5
第二章 互联网金融市场概述 ....... 7
第一节 互联网金融的兴起 ....... 7
一、互联网金融的概念 ........ 7
二、互联网金融发展状况 ...... 7
第二节 我国互联网金融的运作模式 .......... 10
一、第三方支付 . 11
二、P2P借贷 ... 13
三、众筹融资 ... 16
四、互联网理财 . 17
第三章 互联网金融时代商业银行零售业务的发展机遇 ........ 20
第一节 推动商业银行发展模式的转变 ........ 20
一、优化外部环境降低营业成本 ........... 20
二、促进商业银行优化业务结构 ........... 20
三、促进商业银行转变营销模式 ........... 21
第二节 提高了商业银行的创新能力 .......... 21
一、创新商业银行传统金融产品和服务 ..... 21
二、创新与其他互联网金融企业的合作模式 . 22。