互联网金融对商业银行发展的影响报告.doc

本科生毕业论文 互联网金融对商业银行业务的影响 姓名 号 专业 指导教师 Abstract With the introduction of balance Alibaba treasure the new balance of value-added model in June 17th, and soon by the vast number of consumers, many netizens have predicted the financial sector will be an earthquake. Many of the concerns of the people think that balance treasure will have a serious impact on the traditional financial. Balance treasure impact on banks, mainly because the user through it not only can obtain a higher income, but also at any time consumption and payment in and out, the user can directly buy funds and other financial products in pay treasure site, to get a relatively high income, much higher than bank deposit interest rates, while the balance of funds but also at any time within the treasure for online shopping, pay treasure to transfer payment function, and it reduces the minimum purchase of financial products, simple operation. Popular speaking, balance treasure is to pay treasure to teach users to buy monetary fund. Based on the balance of the treasure and commercial banks as well as the introduction of the them behind the Internet Financial contrast, to illustrate the influence of Yu Ebao on commercial banks. The last of these impact analysis, put forward some personal suggestions on the bank. Key Words: Yu Ebao；The Internet Finance；Bank of commerce；Traditional finance 引言 4 一、余额宝 5 （一）余额宝的简介 5 （二）余额宝的业务流程 6 （三）余额宝的特点 6 1、余额宝的优势。 6 2、余额宝的劣势。 7 二、互联网金融与传统金融 7 （一）互联网金融对商业银行的影响 8 1、互联网金融对商业银行市场地位的影响 8 2、对商业银行存款的影响 8 3、对商业银行理财产品的影响 9 4、对商业银行基金代销的影响 9 （二）互联网金融与传统金融的比较 10 1、对客户需求的掌控力不同 10 2、产品的运营方式不同 10 3、运营成本不同 10 4、具体的操作方式不同 10 （三）互联网金融对中小企业的影响 11 （四）互联网基金的创新 11 1、在销售方式上的创新 11 2、在客户体验和产品服务上的创新 12 3、在技术应用上的创新 12 三、传统金融应对互联网的策略 13 （一） 利用自身优势进行创新 13 （二）与互联网金融进行合作 13 （三）以客户为中心 13 （四）提高银行业的综合服务 14 四、总结 14 参考文献 15  引言 近些年，由于国家政策的支持，中国的银行业尤其是五大国有银行的发展速度特别快，规模迅速扩张，展现不断拉长。银行业的发展对中国经济的发展起到了不可磨灭的作用。但是一些不合理的现象也层出不穷，银行体系仍然不够完善，银行系统依然很脆弱等等。在今年六月份，支付宝正式推出一种全新的理财模式——余额宝，它是支付宝与天虹基金管理公司合作推出的一款理财产品，实际上只是一只货币基金