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进入 21 世纪以后，民营资本的崛起，特别是互联网企业的飞速发展，使得专
注互联网沟通交流的企业开始逐步向金融业扩张。为了能够顺利完成在线交易活
动，纷纷发展自己的互联网金融产业。2004 年，我国第一个互联网第三方支付工
具——支付宝正式上线，成为互联网金融的开端。2010 年 4 月 8 日，阿里巴巴集
团的小额贷款公司正式获得营业执照，阿里巴巴、腾讯、百度等一批互联网公司
将触角伸向金融领域，标志着互联网金融已经成为规模化发展的新常态
[1]
。在新的
互联网金融时代，传统商业银行如何面对互联网金融的挑战，如何拓展新的发展
空间，将成为传统商业银行现阶段和未来重要的课题
辽阳银行作为一家地方性的股份制商业银行，在其发展过程中，也遇到了互
联网金融的冲击和挑战。本研究以互联网金融的特点入手，分析互联网金融的第
三方支付平台、P2P 借贷、众筹和大数据等新的业务形式的特点及对传统银行业务
的影响。并对辽阳银行网上银行、在线支付、社区金融、银行系 P2P 等新业务的
开展进行分析，了解传统商业银行应对互联网金融冲击所做的努力。最后在综合
分析传统银行与互联网金融对立统一的基础上，以辽阳银行为例，从传统银行业
务的提升、新业务的开展等方面提出针对性的对策
关键词：互联网金融；商业银行；新兴业务Abstract
The internet banking is based on the development of the Internet technology, a
great change in the financial industry. Since the end of ninety s in twentieth Century,
the rapid development of Internet technology has made various industries in various
fields have different degrees of change. And the financial industry is the most affected
by the Internet industry. Internet banking has become an important force against the
traditional financial industry. And as a pillar of the financial industry, commercial banks
are also affected by the impact of the Internet and financial.
After entering the twenty-first Century, the rise of private capital, especially the
rapid development of Internet companies, so that the focus on the Internet to
communicate the exchange of enterprises began to gradually expand the financial sector.
In order to be able to successfully complete the online trading activities, have developed
their own Internet banking industry. In 2004, China&39;s first third party Internet payment
tool -- Alipay officially launched, became the beginning of Internet banking. On April 8,
2010, Alibaba group, the petty loan company officially obtained the business license,
Alibaba, Tencent, Baidu and so on a number of Internet companies will tentacles
extending toward the financial sector, marks the Internet banking has become the new
norm for the large-scale development. In the new era of Internet banking, how to face
the challenges of Internet banking, how to expand the new space for development, will
become an important issue in the current stage of the traditional commercial banks and
the future.
Liaoyang bank as a local joint-stock commercial banks, in its development process,
also encountered the impact and challenges of the Internet banking. This study begins
with the characteristics of Internet banking, analyzes the characteristics of the new
business forms of Internet banking, such as the third party payment platform, P2P
lending, public chips and big data, and its impact on traditional banking business. And
Liaoyang bank online banking, online payment, community finance, banking, P2P and
other new business development analysis, understanding of the traditional commercial
banks to deal with the impact of the Internet financial impact of the efforts. Finally, on
the basis of comprehensive analysis of the traditional banking and Internet banking on
the basis of the unity of the Bank of Liaoyang, for example, from the traditional bankingbusiness, the new business development and other aspects of the proposed
countermeasures.
Keywords:Internet finance; Commercial bank; Emerging business目录
第 1 章 绪论 ........ 1
1.1 选题背景及意义 . 1
1.1.1 选题背景 ... 1
1.1.2 选题意义 ... 2
1.2 国内外研究综述 . 1
1.2.1 国内研究综述 ....... 1
1.2.2 国外研究综述 ....... 3
1.3 研究内容和研究方法 ..... 4
1.3.1 研究内容 ... 4
1.3.2 研究方法 ... 4
第 2 章 相关理论概述 .... 5
2.1 金融中介理论 ..... 5
2.2 互联网金融的含义和特点 ......... 5
2.2.1 互联网金融的含义 ........... 5
2.2.2 互联网金融特点 ... 6
2.3 互联网金融的模式 ......... 7
2.3.1 第三方支付 ........... 8
2.3.2 P2P 网贷 . 10
2.3.3 大数据金融 ......... 11
2.3.4 众筹 ......... 12
2.3.5 信息化金融机构 . 13
2.3.6 互联网金融门户 . 13
第 3 章 辽阳银行的发展历程及互联网金融对其的冲击 ...... 14
3.1 辽阳银行的发展历程 ... 14
3.2 互联网金融对辽阳银行的冲击 ........... 14
3.2.1 第三方支付对辽阳银行的冲击 . 14
3.2.2 P2P 网贷对辽阳银行的冲击 .....
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