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互联网金融发展对商业银行的影响分析
摘要
互联网或许是近20年来最能深刻改变人类社会的技术。在短短
的20年里,互联网从无到有,渗透到人类生活的各个角落。伴随着网
络的快速发展,尤其是移动互联网的快速发展,互联网金融也日益成
为人们日常生活中必不可少的一部分。
据中国电子商务研究中心(100EC.CN)监测数据显示,2013年互
联网支付交易规模53729.8亿元,截止到2013年12月,中国移动电子
商务市场交易规模达到2325亿元,同比增141%。因此我们可以看出,
互联网金融前景广阔,有着巨大的发展空间。一方面,互联网金融公
司在传统支付结算领域不断拓展新的支付渠道,如移动支付、电话支
付、微信支付、移动pos等服务方式陆续推出,为客户提供了更多更
便捷的金融服务;另一方面,随着电子商务形式的不断创新,B2B,
B2C,C2C等支付服务模式也随之推出,并伴随着包括从结算、担保、
融资等多个方面的创新。
本文通过对互联网金融的产生与发展现状的描述,指出在互联网
时代商业银行与互联网金融公司的竞争是避免不了的。通过阐述互联
网金融给商业银行带来的影响,剖析了商业银行在互联网金融时代面
临的竞争形势与主要机会与挑战。根据分析结果,为商业银行应对互
联网金融公司的挑战提供战略选择。
关键词:互联网金融,商业银行,竞争,战略选择
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互联网金融发展对商业银行的影响分析
ABSTRACT
The Internet is probably the most profound technology
which has been changed the society over the past 20 years . In
just 20 years, the Internet from scratch, penetrated into every
corner of human life. Along with the rapid development of
network, especially the rapid development of the mobile
Internet, Internet financial has become an indispensable part
of People's Daily life.
According to the China electronic commerce research
center (100 ec. CN) monitoring data show that the Internet pay
deals 5372.98 billion yuan in 2013, as of December 2013, the
China mobile e-commerce market deals reached 232.5 billion yuan,
an increase of 141%. So we can see that the Internet financial
prospects, there is a huge space for development. On the one
hand, Internet financial firms in the traditional pay pay
settlement areas continue to expand the new channels, such as
mobile payment, phone, micro letter, payment, service mode,
such as mobile pos, releasing, provides customers with more
convenient financial services ; on the other hand, as the
constant innovation in the form of e-commerce, B2B, B2C, C2C
and other payment service mode has been introduced, followed
2 / 20
互联网金融发展对商业银行的影响分析
by from settlement, guarantees, financing and so on several
aspects.
In this paper, through descriptions of the produce and
development of the Internet financial status, pointed out that
in the age of the Internet commercial Banks compete with
Internet financial firms cannot be avoided. Through on the
influence of the Internet financial brings to the commercial
bank, analyzed the commercial Banks face the competition in the
era of the Internet financial situation and the main
opportunities and challenges. According to the results of the
analysis for commercial Banks to meet the competitive
challenges of the Internet financial companies to provide
strategic choice.
Keywords: Internet financial, commercial Banks, competition,
strategic choice
3 / 20
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