I互联网金融对商业银行的影响研究 --以平安银行为例摘 要近年来，随着互联网技术的不断发展，互联网已经成为人们生活不可或缺的一部分。在互联网的冲击影响下，传统行业与互联网的结合创新也越来越紧密，其中，互联网金融作为一种新金融形式其最具有代表性。本文以平安银行为例，主要研究互联网金融对商业银行造成的冲击以及在此背景下商业银行的未来展望。本文首先通过对研究背景和意义、研究内容和方法做简单阐述，同时对国内外文献研究内容进行梳理，明确了论文研究对象以及研究价值；然后在互联网金融影响下对平安银行的存款业务、贷款业务、中间业务进行分析，发现其传统业务受到的明显影响。随后，对在互联网金融冲击下的平安银行进行 SWOT 分析，并对平安银行传统业务发展中遇到的困难障碍提出相应的措施建议。关键词：平安银行；互联网金融；传统业务；SWOT 分析IIAbstractIn recent years, with the continuous development of Internet technology, the Internet has become an indispensable part of people's lives. Under the influence of the impact of the Internet, the combination of traditional industries and the Internet has become more and more innovative. Among them, Internet finance is the most representative of a new form of finance. This article takes Ping An Bank as an example to study the impact of Internet finance on commercial banks and the future prospects of commercial banks under this background. This article firstly makes a brief explanation of the research background and significance, research content and methods, and at the same time combs the domestic and foreign literature research content, clarifies the research object and research value of the paper; and then under the influence of Internet finance Business and intermediary business analysis and found that its traditional business has been significantly affected. Subsequently, it conducted a SWOT analysis of Ping An Bank under the impact of Internet finance, and proposed corresponding m...
