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互联网金融发展对商业银行的影响分析.doc
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互联网金融发展对商业银行的影响分析.doc
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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
的快速开展,尤其是移动互联网的快速开展,互联网金融也日益成为
人们日常生活中必不可少的一局部。
据中国电子商务研究中心(100EC.)监测数据显示,2021年互联网
支付交易规模53729.8亿元,截止到2021年12月,中国移动电子商务
市场交易规模到达2325亿元,同比增141%。因此我们可以看出,互
联网金融前景广阔,有着巨大的开展空间。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、支付、微
信支付、移动pos等效劳方式陆续推出,为客户提供了更多更便捷的
金融效劳;另一方面,随着电子商务形式的不断创新,B2B,B2C,C2C
等支付效劳模式也随之推出,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及开展现状的描述,指出在互联网时代
商业银行与互联网金融公司的竞争是防止不了的。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
竞争形势及主要时机与挑战。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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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 bee an indispensable
part of People's Daily life.
According to the China electronic merce research center (100 ec. ) monitoring
data show that the Internet pay deals 5372.98 billion yuan in 2021, as of December
2021, the China mobile e-merce 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-merce, B2B, B2C, C2C and other payment service mode has been
introduced, followed 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 mercial Banks pete with
Internet financial firms cannot be avoided. Through on the influence of the Internet
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financial brings to the mercial bank, analyzed the mercial Banks face the petition in the
era of the Internet financial situation and the main opportunities and challenges.
According to the results of the analysis for mercial Banks to meet the petitive challenges
of the Internet financial panies to provide strategic choice.
Keywords: Internet financial, mercial Banks, petition, strategic choice
目录
一绪论 1
〔一〕选题背景及研究意义.................................................................................1
〔二〕互联网金融的概念 2
〔三〕研究的主要内容.........................................................................................2
二 互联网金融的开展现状 2
〔一〕 互联网金融的模式 3
〔二〕我国互联网金融的开展历程 3
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