互联网金融对商业银行的发展现状研究——以建行山东分行为例摘要本文主要分析互联网金融对商业银行的影响，从回顾国内外学者对互联网金融发展的看法和对商业银行影响的文献出发，简要介绍互联网、金融、互联网金融及其各产业的特点、各产业与互联网的融合度，进而对互联网金融应运而生的原因进行分析，为互联网对金融业的冲击影响奠定基础，对中国、美国互联网金融现状的分析与对比，介绍不同国家产生的不同业务模式。在互联网金融迅速发展壮大的基础上，对其进行分析和梳理，明确互联网时代商业银行与互联网金融竞争的必然性，阐述互联网金融对银行的刺激，主要涉及互联网金融对商业银行所处金融地位、经营模式、服务模式、经营理念以及收入来源等方面的影响，在面临挑战的情况下，互联网金融对银行业变革的推动力很强，基于此，本文针对互联网金融对商业银行的影响一一给出了应对策略、意见或建议，进而提出完善互联网金融监管的相关政策建议，打造和谐稳定的经济环境。关键词：互联网；金融商业银行；影响及对策AbstractThispapermainlyanalyzestheimpactofInternetfinanceoncommercialbanks.Fromthereviewofdomesticandforeignscholars'viewsonthedevelopmentofInternetfinanceandtheimpactoncommercialbanks,thispaperbrieflyintroducesthecharacteristicsofInternet,finance,Internetfinanceandvariousindustries,variousindustriesandtheInternet.Thedegreeofintegration,inturn,analyzesthereasonsfortheemergenceofInternetfinance,laysthefoundationfortheimpactoftheInternetonthefinancialindustry,analyzesandcontraststhestatusquoofInternetfinanceinChinaandtheUnitedStates,andintroducesdifferentbusinessmodelsgeneratedbydifferentcountries.OnthebasisoftherapiddevelopmentandgrowthofInternetfinance,itanalyzesandsortsouttheinevitabilityofcommercialbanksandInternetfinancecompetitionintheInternetera,andexpoundsthestimulationofInternetfinanceonbanks,mainlyinvolvingthefinancialstatusandoperationofInternetfinanceoncommercialbanks.Mode,servicemodel,businessphilosophyandincomesources,inthefaceofchallenges,Internetfinancehasastrongdrivingforceforthetransformationofthebankingindustry.Basedonthis,thispapergivestheimpactofInternetfinanceoncommercialbanks.Copingwithstrategies,opinionsorsuggestions,andthenproposingrelevantpolicyrecommendationsforimprovingInternetfinancialsupervisiontocreateaharmoniousandstableeconomicenvironment.Keywords:Internet;financialcommercialbank;influenceandcountermeasures目录一、绪论.........................................................................................................................................1二、文献综述.................................................................................................................................1（一）国外相关文件综述......................................................................................................1（二）国内相关文件综述......................................................................................................2三、互联网金融概述.....................................................................................................................3（一）我国互联网金融发展的现状......................................................................................3（二）互联网金融的三种形态..............................................................................................4（三）互联网理财..................................................................................................................4四、互联网金融给建行山东分行的冲击...........................................
