目 录
1 绪论 ...... 1
1.1 研究的背景和意义 ........ 1
1.1.1 研究背景 .. 1
1.1.2 研究意义 .. 1
1.2 文献综述2
1.2.1 国外研究综述 ...... 2
1.2.2 国内研究综述 ...... 3
1.2.3 文献评述 .. 4
1.3 研究的内容和目的 ........ 5
1.3.1 研究内容 .. 5
1.3.2 研究目的 .. 5
1.4 研究方法与创新点 ........ 6
1.4.1 研究方法 .. 6
1.4.2 本文的创新点 ...... 6
2 互联网金融概念、特征和模式 .......... 8
2.1 互联网金融的概念界定8
2.2 互联网金融的特征 ........ 8
2.2.1 基于大数据的运用 .......... 8
2.2.2 经营模式多元化 .. 9
2.2.3 金融服务的普惠化 .......... 9
2.2.4 经营环境公开化10
2.2.5 运行管理机制透明化 .... 10
2.2.6 服务效率高效化、便捷化 ........ 10
2.3 互联网金融的模式 .......11
2.3.1 第三方支付 .........11
2.3.2 P2P 网贷平台...... 12
2.3.3 众筹模式13
2.3.4 大数据金融 ........ 14
2.3.5 信息化金融机构14
3 互联网金融发展概述15
3.1 互联网金融兴起的原因 .......... 15
3.1.1 互联网的广泛普及促进行业融合 ........ 15II
3.1.2 多方需求的共同作用 .... 15
3.1.3 资产管理公司对低成本渠道和用户的探索 .... 16
3.1.4 技术进步提升配置效率16
3.2 互联网金融发展的现状 .......... 17
3.2.1 国外互联网金融发展的现状 .... 17
3.2.2 国内互联网发展现状 .... 18
4 互联网金融对商业银行传统业务的影响 .... 20
4.1 对商业银行支付中介的冲击 .. 20
4.2 分流商业银行存贷款业务市场需求 .. 21
4.2.1 减少商业银行活期存款业务 .... 21
4.2.2 分流对商业银行融资服务的需求 ........ 22
4.3 对信息资源的挑战 ...... 24
5 商业银行应对互联网金融冲击的策略——以中国建设银行为例26
5.1 商业银行应对互联网金融冲击采取的策略 .. 26
5.1.1 以客户为中心，加大服务和产品创新力度 .... 26
5.1.2 重视大数据，提高自身数据获取能力27
5.1.3 打造中小企业在线融资平台，发掘新客户群28
5.1.4 重视互联网金融的发展，加强与互联网金融企业的合作 .... 29
5.2 案例分析：中国建设银行应对互联网金融的发展战略 ...... 30
5.2.1 全方位布局三大网络渠道建设30
5.2.2 搭建两大生活平台 ........ 33
6 结论与未来展望 ........ 35
6.1 研究结论 .......... 35
6.2 未来展望 .......... 35
参考文献 37
致 谢.... 40III
Contents
1 Introduction .. 1
1.1 The background and significance of the study . 1
1.1.1 Research background...... 1
1.1.2 Research significance ..... 1
1.2 Literature review........... 2
1.2.1 Foreign research review.. 2
1.2.2 Domestic research summary....... 3
1.2.3 Literature summary ....... 4
1.3 Content and purpose of the study ......... 5
1.3.1 Research content. 5
1.3.2 Research purpose 5
1.4 Research methods and innovations ...... 6
1.4.1 Research methods ........... 6
1.4.2 Innovation point of this paper..... 6
2 Internet financial concepts characteristics and patterns .. 8
2.1 Internet banking concept defined ......... 8
2.2 Internet banking features .......... 8
2.2.1 Based on the use of large data .... 8
2.2.2 Diversified business model......... 9
2.2.3 Financial services inclusive ........ 9
2.2.4 Operating environment open .... 10
2.2.5 Operation management mechanism transparent........... 10
2.2.6 Service efficiency is efficient and convenient.. 10
2.3 Internet banking model ......... 11
2.3.1 Third party payment ..... 11
2.3.2 P2P loan platform ......... 12
2.3.3 All the chips mode........ 13
2.3.4 Big data finance14
2.3.5 Information financial institutions ......... 14
3 Overview of the Internet financial development . 15
3.1 Reasons for the rise of Internet banking......... 15
3.1.1 Wide popularity of the Internet to promote the integration of the industry
........... 15IV
3.1.2 Multi needs of the common role of ...... 15
3.1.3 Asset Management Co to explore low-cost channels and users........... 16
3.1.4 Technical progress to improve the configuration efficiency .... 16
3.2 The current situation of Internet financial development ........ 17
3.2.1 The status quo of Internet financial development in foreign countries 17
3.2.2 Development status of the domestic Internet ... 18
4 The influence of Internet banking on the traditional business of commercial
banks... 20
4.1 The impact of the payment intermediary to the commercial bank ..... 20
4.2 Shunt the commercial bank deposit and loan business market demand......... 21
4.2.1 Reduction of commercial bank demand deposit business ........ 21
4.2.2 Split the demand for commercial bank financing services....... 22
4.3 Challenges to information resources .. 24
5 Commercial banks to deal with the impact of the Internet financial
strategy——Take the China Construction Bank as an example .. 26
5.1 Take the customer as the center, enlarges the service and the product
innovation dynamics......... 26
5.1.1 Reduction of commercial bank demand deposit business ........ 26
5.1.2 Emphasis on big data, improve their ability to acquire dat ...... 27
5.1.3 Create a small and medium enterprises online financing platform to
explore new customers .......... 28
5.1.4 Emphasis on the development of Internet banking, strengthen
cooperation with the Internet financial enterprises ... 29
5.2 Case analysis: China Construction Bank to deal with the development strategy
of Internet banking 30
5.2.1 The layout of the three full network channel construction....... 30
5.2.2 To build two major living platform ...... 33
6 Conclusions and future outlook .... 35
6.1 Conclusions of the study ........ 35
6.2 Outlook for the future . 35
Reference ........ 37
Thanks401
摘 要
近年来，互联网技术与电子通讯技术，特别是大数据、云计算等先进技术的
产生和发展，推动互联网行业发展走向新的阶层。互联网与其它行业的相互融合，
对人们的生产和生活产生的影响越来越大，也因此催生新的需求。随着电子商务
的快速发展和网上购物的流行，产生了对电子支付和电子银行的需求，直接促使
了互联网技术与金融业相互融合，使得一大批互联网金融模式的企业产生，比如
第三方支付平台、P2P，众筹融资等等。互联网金融的产生在不断影响并改变着
我国传统的金融业格局，对我国商业银行的传统业务带来不同程度的影响。这对
我国商业银行来讲，既是机遇也是挑战，必须采取正确有效的应对措施，才能化
挑战为机遇

本文首先对互联网金融的概念、特征以及各种模式进行了阐述，其次笔者对
互联网金融兴起的原因进行了分析，并且在此基础上介绍了国内和国外的互联网
金融发展现状。之后，笔者通过现状以及已有的研究，对互联网金融的发展对商
业银行传统业务的影响进行了探索性分析和总结，并且尝试性提出商业银行应对
互联网金融发展的对策。最后本文以建设银行应对互联网金融发展的实践为案例
进行介绍和分析。本文结论如下

（1）通过已有相关研究，结合互联网金融的现状，认为互联网金融对商业银
行传统业务的影响主要表现在三个方面：第一，对商业银行的支付中介产生了冲
击；第二，分流了商业银行的存贷款业务的需求，体现在减少了商业银行活期存
款业务，分流对商业银行融资服务的需求；第三，对商业银行的信息资源产生了
挑战

（2）针对于互联网金融对商业银行传统业务的冲击，本文认为应该从以下四
个方面作为对策：第一，以客户为中心，加大服务和产品创新力度；第二，重视
大数据，提高自身数据获取能力；第三，打造中小企业在线融资平台，发掘新客
户群；第四，重视互联网金融的发展，加强与互联网金融企业的合作

（3）对建设银行应对互联网金融所带来的影响进行了案例分析，建设银行在
互联网金融潮流下，积极创新，实施互联网金融经营战略，全方位布局网上银行、
手机银行、微信银行等三大网络渠道建设，搭建“善融商务”和“悦生活”两大生活
平台

关键词：互联网金融；商业银行；电子商务；银行转型2
Abstract
In recent years, with the development of Internet technology and electronic
communication technology, especially the generation of big data, cloud computing and
other advanced technologies, making the Internet industry to a new stage of
development.Internet through the integration of many industries, the impact on
people's production and life is growing, and thus create a lot of new needs. With the
popularity of electronic commerce and the rapid development of online shopping,
which directly caused the electronic payment and electronic bank this new demand, led
directly to the Internet technology and finance integration, makes a large number of
Internet financial model and enterprises, such as the third-party support payment
platform, P2P, public financing and so on. Internet banking is constantly affecting and
changing the pattern of China's traditional financial industry, the traditional business of
China's commercial banks to bring varying degrees of impact.
This article first on the concept and characteristics of the Internet financial as well
as a variety of patterns, secondly, the author analyses the cause of the rise of Internet
financial, and on this basis, introduces the domestic and foreign financial current
situation of the development of the Internet.Later, the author through the status quo and
the existing research, the development of the Internet financial impact on traditional
business of commercial bank has carried on the exploratory analysis and summary.At
the end of the paper to the practice of the construction bank, the development of the
Internet financial as a case is introduced and analyzed.This paper mainly has the
following conclusion:
(1) Through the existing related research, and combined with the status of Internet
banking, this paper argues that the financial impact of the Internet on the traditional
business of commercial banks is mainly manifested in three aspects.
(2) Based on Internet financial impact on the traditional business of commercial
banks, this paper argues that should be as countermeasures from the following four
aspects.
(3) Influence on Construction Bank to deal with internet banking brings were case
analysis, construction bank in financial trends of the Internet, a positive innovation,
implementation of Internet banking business strategy.
Key Words: Commercial Banks; Internet finance; E-commerce; Bank transformation1 绪论
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