互联网金融对中国商业银行的影响探究  

Exploration of the Internet Financial Impact on China's Commercial Banks

作　　者：赵清辉[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《河北学刊》2015年第1期201-204,共4页Hebei Academic Journal

摘　　要：目前,互联网金融已逐渐成为社会各界关注的热门话题,并对中国商业银行的发展提出了新挑战。基于此背景,本文首先阐述了互联网金融与传统商业银行相比所具有的主要特征及典型模式;其次从资产、负债和利润三个视角,探究互联网金融对中国商业银行的影响;最后提出中国商业银行可持续发展的宏观战略和微观策略。At present,the Internet financial has gradually become a hot topic of the society,and puts forward a new challenges to the development of China's commercial Banks. Based on this background,the paper first describes the main characteristics and typical models of the Internet financial comparing with the traditional commercial Banks; Secondly,the paper has explored the Internet financial impact on China's commercial Banks from three perspectives of assets,liabilities and profits; Finally,the paper puts forward the macro- strategy and microcosmic tactics of the sustainable development on China's commercial Banks.

关 键 词：互联网金融 商业银行 虚拟营销 

分 类 号：F832.3[经济管理—金融学] F49