互联网金融发展对传统商业银行业务的影响研究  

Research on the Impact of Internet Financial Development on Traditional Commercial Banking Business

作　　者：赵微 ZHAO Wei(Jinzhong College of Information,Jinzhong,Shanxi 030800)

机构地区：[1]晋中信息学院,山西晋中030800

出　　处：《中国商论》2022年第9期68-70,共3页China Journal of Commerce

基　　金：山西省教育科学“十三五”规划2020年度“互联网+”教育专项课题“基于区块链技术的互联网金融专业虚拟仿真实验教学研究”(HLW-20171)。

摘　　要：随着互联网信息技术的发展,“互联网+”广泛影响着各个行业的改革与巨变。互联网技术在金融领域的广泛应用诞生了互联网金融,互联网金融作为金融行业的重要分支,对传统金融业务的模式、相关服务与产品的改革起到了较强的促进作用。但是,互联网金融业务无法完全取代传统金融业务,两者在协同发展的过程中,应该互相借鉴、互相补充,从而促进整个金融行业更加长效、健康地发展。本文从互联网金融发展的主要模式出发,分析其对商业银行业务的影响,从而为促进传统商业银行业务与经营发展提出建设性意见。With the development of Internet information technology,“Internet+” widely affects the reform and great changes of various industries.The wide application of Internet technology in the financial field gave birth to Internet finance.As an important branch of the financial industry,Internet finance has played a significant role in promoting the reform of traditional financial business models,related services and products.However,Internet financial services can not completely replace traditional financial services.In the process of coordinated development,they should learn from each other and complement each other,so as to promote the long-term and health development of the whole financial industry.Starting from the main modes of Internet financial development,this paper analyzes its impact on traditional commercial banking business,and puts forward constructive suggestions for promoting the business and operation development of traditional commercial banks.

关 键 词：互联网金融 第三方支付 网上银行 网上理财 信贷业务 

分 类 号：F832.33[经济管理—金融学]