摘要
当前的互联网金融发展迅速，可谓是一支突起的异军，从网上银行到网络支付
再到移动互联的发展阶段，由于政府的开放包容的态度，使得互联网金融从网上银
行阶段到移动互联阶段仅用了十几年。当前的互联网金融的创新程度极高，其融资
涉及各行各业，已经渗透到各大商业银行的多个业务之中。互联网金融企业和第三
方支付平台依托其自有的电子商务平台和先进的信息技术，开始进军支付结算、融
资、投资理财等各大领域，打破了商业银行的金融业务的垄断局面。随着科学的进
步和互联网金融业的发展，商业银行受到了金融脱媒和技术脱媒的冲击，互联网金
融企业的金融业务渗入商业银行的各项业务中，而商业银行一如既往地采取“二八
定律”来选择客户对象，而漏掉的客户大批量地转向了互联网金融市场。商业银行
的业务开展不得不面临诸多挑战。本文既对互联网金融带来的商业银行的影响进行
探讨研究，深入了解了互联网金融的概念、内涵与外延，并对其特点、发展模式与
趋势进行掌握，以便进一步研究互联网金融对商业银行在业务方面的影响。通过调
查研究，得知互联网金融模式下的 P2P 网贷、第三方支付已经渗透到商业银行的融
资贷款业务、支付结算，影响了银行的中间业务的收益，且互联网金融的经营理念
间接对商业银行的经营造成了影响，其开放、平等、协作、共享的理念所关注的客
户体验度是商业银行应该学习的地方。由此，在应对互联网金融的挑战与机遇方面
的策略，均是从互联网金融对业务的渗透、对中间业务收益的影响和经营理念的影
响等方面制定，需要银行转变经营理念，提升业务水平，关注客户体验升级，建立
银行的电商平台，推出优质的组合产品，向小微业务和贷款业务齐发展，积极占领
移动支付市场，通过强强联合，探索合作共赢的新路径。同时，要加强风险控制和
培育综合性人才，以便能更好地发展企业本身。本文的第一部分主要介绍了在互联
网科技的发展下对我国商业银行各种业务所产生的冲击，互联网金融企业的不断涌
现给我商业银行传统的业务造成了非常大的影响，正是基于此本文展开了对互联网
金融背景下我国商业银行的影响及其对策的研究以期为商业银行未来的发展提供一
定的智力支持。本文的第二部分主要介绍了互联网背景下互联网与金融产品融合所II
衍生出来的新的金融产品和服务，主要包括互联网金融的相关概念、内涵以及外延，
此外本部分还介绍了我国互联网金融产品和服务所呈现出来的主要特点，对金融产
品所出现的原因进行了深入的分析。本文的第三部分主要介绍了我国互联网金融的
商业模式及其发展的趋势，在互联网的影响下我国互联网金融模式的主要特点包括
传统金融业务的在线化、P2P 模式以及众筹模式，且当前我国互联网金融的业务开
始向融资业务、支付结算业务以及投资理财业务渗透，对我国商业银行传统的业务
方面都形成了实实在在的威胁与冲击。本文的第四部分对互联网金融对我国传统的
商业银行所带来的挑战与机遇进行了分析，互联网金融的出现对商业银行传统的金
融主导地位形成了威胁，对于商业银行的传统的经营模式以及收入来源都产生了巨
大的影响，进而对商业银行传统的经营理念形成了冲击，同时也在一定程度上影响
了对商业银行监管的理念与政策。第五章以中国银行上海自贸区银行为例具体阐述
了互联网金融对中国银行上海银行自贸区的影响，包括对个人活期存款的分流、对
传统借贷业务的出冲击、对支付地位的威胁、对支付功能的弱化等等。第六章主要
针对互联网金融对中国商业银行的影响以中国银行上海自贸区为例阐述了我国商业
银行所采应该采取的对策，包括积极转换经营理念、提升业务服务水平、积极探索
与拓展互联网金融业务与传统业务的互联网化、加强风险防控以及加强具有互联网
金融业务知识的人才队伍的建设来推进互联网背景下我国商业银行的变革

关键词：互联网金融；商业银行；影响；业务渗透；风险III
Abstract
The current rapid development of Internet banking, it is a new force rising, from
online banking to online payment to the stage of development of the mobile Internet,
because of the government&39;s open and inclusive attitude, making the Internet finance from
the Internet banking to mobile Internet only with a dozen years. The current Internet
financial innovation degree is extremely high, its financing involves all walks of life, has
penetrated into the major commercial banks in many businesses. Internet financial
enterprises and the third party payment platform, relying on its own e-commerce platform
and advanced information technology, began to enter the payment, settlement, financing,
investment and financing and other major areas, breaking the monopoly of commercial
banks financial business. With the development of science and the Internet financial
industry, commercial banks by financial disintermediation and technical disintermediation
impact, the business of commercial bank financial business into the Internet banking
business in commercial banks, as in the past to take the 28 laws to select a customer
object, leaving customers in large quantities to the Internet financial market. Business
development of commercial banks has to face many challenges. To study the effect of this
is brought about by the Internet banking of commercial banks, in-depth understanding of
the financial Internet plus the concept, connotation and denotation, and the development
mode and trend of its characteristics, to master, in order to further study the financial
impact of the Internet on commercial banks in terms of business. Through the
investigation, that the P2P net loan and third party Internet financial mode of payment has
penetrated into the commercial bank financing loans, payment and settlement, the effect
of intermediate business of the bank&39;s income, and the Internet financial management
concept of indirect commercial banks to influence, on its open, equality and cooperation
the concept of customer experience, sharing of commercial banks should learn the place.
Thus, the challenges and opportunities of the Internet financial aspects of the strategy are
developed from the aspects of penetration, Internet financial impact on the business ofIV
intermediate business income and business philosophy influence, banks need to change
the management idea, enhance the level of business, pay attention to the customer
experience to upgrade, the establishment of Bank business platform, launched the product
portfolio high quality, to small and micro business loans and business development, and
actively occupy the mobile payment market, through the combination of a new path to
explore win-win cooperation. At the same time, we should strengthen the risk control and
cultivate comprehensive talents, so as to better develop the enterprise itself. The first part
of this paper mainly introduces the generation of many kinds of business of China&39;s
commercial banks in the development of the Internet technology under the impact of
Internet financial enterprises continue to emerge to the traditional commercial banking
business caused a very big impact, is based on this the paper launched on the Internet in
the financial background of the impact of China&39;s commercial banks the research and
Countermeasures to provide intellectual support in future development of commercial
banks. The second part of this paper mainly introduces the new financial products and
services and the Internet financial products under the background of Internet fusion
derived, including Internet plus financial related concept, connotation and extension, this
part also introduces the main characteristics of China&39;s Internet financial products and
services rendered, reasons for financial products the in-depth analysis. The third part
mainly introduces the business model and the development of China&39;s Internet banking
trend, the main characteristics of Internet financial model in China under the influence of
the Internet including traditional financial services online, P2P mode and mode all the
chips, and the current China&39;s Internet banking business began to penetrate into the
financing, payment and settlement business and the investment banking business, the
business of traditional commercial banks in China have formed a real threat and impact in
the. The fourth part of this paper analyzes the challenges and opportunities of the Internet
Banking for China&39;s traditional commercial banks caused by the emergence of the Internet
Banking for comm