摘要
互联网金融的兴起，对传统的消费与投资观念造成了重大的冲击，人们的习惯开
始发生变化，积极的参与到互联网金融中。互联网金融与传统金融彼此竞争，真正获
益的是消费者与互联网金融，传统金融被迫失去了大量的资源。因此互联网金融具备
真正意义上的普惠性，正是这种特性，吸引了更多的投资者与消费者，不断的壮大自
身实力，冲击着传统银行的霸主地位。站在商业银行的角度，其并不仅仅是坏处，同
样是改革的机遇。互联网金融的兴起，对传统的贷款、存款造成了巨大冲击，传统银
行在此过程当中，并不仅仅是一味的丧失资源，同样面临着巨大的市场机遇。处于改
革的关键时期，商业银行要积极的调整与改变，充分利用互联网技术，紧跟时代发展
步伐，不断的壮大自身实力，以此来抢占更多的市场份额

本文以现代金融学与管理学为理论基础，沿着提出问题-分析问题-解决问题的思
路，基于互联网金融的大背景下，对商业银欧亿·体育（中国）有限公司务展开相应的研究与分析，确保文献
综述的全面性。基础理论与相关概念的描述，给出互联网金融的定义、特征、功能与
互联网金融理论，为后续发展奠定基础。基于上述理论研究的前提下，针对研究对象
进行实例研究，探索互联网金融对齐鲁银行整体正效应和负效应影响情况，针对互联
网金融对齐鲁银行负债、中间业务的影响展开分析，提出了齐鲁银行应对互联网金融
的对策和保障措施
通过研究发现：针对互联网金融的各种冲击，齐鲁银行着手可以做到主要有以下
几点：转变传统经营理念，重新认识和了解互联网金融；根据实况对现有经营策略做
出调整，最近全新战略规划；严格秉持“一切以客户为中心”这一原则，并以此来不
断拓宽业务

关键词：齐鲁银行；互联网金融；影响；对策互联网金融对齐鲁银行影响及对策研究
I
ABSTRACT
The rise of the Internet financial, the traditional concept of consumption and
investment had a huge impact, began to change people&39;s habits, actively involved in the
Internet finance. Internet finance and traditional finance compete with each other, the real
benefit is financial consumers and Internet, traditional financial was forced to lose a lot of
resources. So Internet financial have universality in the true sense, it is this characteristic,
attracts more investors and consumers, continuously expand their strength, impact the
traditional dominance of the bank. Standing in the point of view of commercial bank, it is
not just bad, is also a reform of the opportunity. The rise of the Internet financial caused a
huge impact on traditional loans, deposits, traditional Banks in the process, not just blindly,
the loss of resources, also face a huge market opportunity. In a critical period of reform,
commercial Banks should actively adjust and change, make full use of Internet technology,
follow the time development, continuously expand their strength, in order to grab more
market share.
In this paper, based on the theory of modern finance and management, the question -
analysis problem - to solve the problem, based on Internet financial backdrop, and
corresponding research and analysis of the commercial bank business expansion, to ensure
the comprehensive literature review. Given a description of the basic theory and related
concept, definition, characteristics, function of the Internet financial and Internet financial
theory, lay the foundation for subsequent development. Based on the above theoretical
research, under the premise of case study for research object, explore the Internet financial
impact on the positive and negative effects of qilu bank overall situation, in view of the
Internet financial of qilu bank liabilities, analyzes the influence of the intermediary
business and puts forward the countermeasures of qilu bank deal with the Internet and the
safeguard measures
Through the study found that: in the light of the impact of the Internet financial, qilu
bank to can do it mainly include the following: change the traditional management idea, to
know and understand the Internet financial; According to the fact of existing business
strategy adjustment, the recent new strategic planning; Strictly uphold the all take the
customer as the center the principle, and to expand the business.
KEYWORDS:Qilu bank; Internet finance; Influence; countermeasure互联网金融对齐鲁银行影响及对策研究目 录
第一章 绪论....1
第一节 研究背景与意义1
一、研究背景.....1
二、研究意义.....1
第二节 国内外研究现状2
一、国外研究现状.........2
二、国内研究现状.........3
三、国内外研究述评.....3
第三节 主要研究内容....4
第四节 研究思路与方法4
一、研究思路.....4
二、研究方法.....4
第二章 互联网金融概念与发展理论6
第一节 互联网金融概念6
一、互联网金融的内涵.6
二、互联网金融的特点.6
三、互联网金融功能.....8
第二节 互联网金融发展理论....9
一、金融抑制论.9
二、金融中介理论.........9
三、金融创新理论.........9
第三章 国内外互联网金融发展情况及趋势..........11
第一节 国外互联网金融发展情况及趋势........ 11
一、发达国家互联网金融发展情况...11
二、发达国家互联网金融发展趋势...12
第二节 中国互联网金融发展情况及趋势........13目 录一、中国互联网金融发展情况...........13
二、未来中国互联网金融发展趋势...17
第四章 互联网金融对齐鲁银行的影响分析..........19
第一节 齐鲁银行基本情况......19
一、齐鲁银行简介.......19
二、目前业务开展情况...........19
第二节 互联网金融下齐鲁银行电子渠道发展现状..22
一、积极搭建电商平台........
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