互联网金融对商业银行贷款影响的实证研究  

An Empirical Study on the Effects of Internet Finance on Commercial Bank's Loans

作　　者：张婷婷[1] 王五祥[1] ZHANG Tingting WANG Wuxiang(International Commercial Institute ,Tianjin Foreign Study University,Tianjin 300270, Chin)

机构地区：[1]天津外国语大学国际商学院,天津300270

出　　处：《金融教育研究》2017年第3期28-35,共8页Research of Finance and Education

基　　金：天津市哲学社会科学一般项目"基于金融功能视角的互联网金融发展与监管的研究"(TJYY15-039);天津市高校人文社科项目"多重不确定条件下低碳战略投资理论与实证"(20112418)

摘　　要：商业银行贷款和互联网金融之间的关系是竞争与合作的统一。互联网金融发展对商业银行贷款造成了冲击,但也促进了商业银行传统金融业务模式的创新升级。商业银行应利用互联网技术,创新盈利模式,互联网金融应进一步规范和完善信用体系和法制体系。商业银行和互联网金融积极合作,互利共赢,打造更完善的信贷体系,完善金融市场的监管和发展。The relationship between the commercial bank loan and the intemet finance is the unity of competi- tion and cooperation. The development of intemet financial causes shock on commercial bank loan, but also promotes ＇the innovations upgrade of commercial banks＇ traditional financial business model. The commercial bank should use interact technology to innovate the profit model;and the internet finance should further regulate and perfect the credit and law system. The commercial bank and interact finance should actively cooperate, mutual benefit and shared profit, build a perfect the credit system and perfect the financial markets＇ supervision and development.

关 键 词：互联网金融 商业银行贷款 金融创新 信贷体系 

分 类 号：F832.33[经济管理—金融学]