摘要：由于社交网络越来越普及，金融非中介化越来越普遍，金融行业遂迈入了互联网金融时代。这一时代的出现是极具有跨时代意义的。自2010年开始，大量的互联网基金销售、第三方支付平台以及各种类型的P2P网贷大量出现，其中以支付宝和余额宝尤为突出。互联网金融的出现在部分层次上降低了商业银行的盈利，但同时也给予了新的思维模式，促进商业银行开始改革创新，促使商业银行改变业务结构，便于商业银行盈利模式的改良。本课题将以互联网金融的发展对传统商业银行的盈利模式造成的影响为研究对象。起初阐述了本次选题的背景以及研究意义，在第二章中着重介绍互联网金融的概况以及我国的现状，第三章里引入商业银行的利润模式并分析互联网金融对其的有利影响，第四章从实证的角度进一步分析商业银行的盈利模式，最后一章给出建议与措施。整篇论文希望针对互联网金融更好的服务于经济建设并促进金融业尤其是银行业的良性成长，具有关键的理论价值以及现实意义。

关键词：互联网金融；商业银行；盈利模式

ABSTRACT：As the social network more and more popular, the financial industry has entered the Internet financial era. The emergence of this era is extremely interdisciplinary. Since 2010, a large number of Internet fund sales, third-party payment platform and various types of P2P network loan a large number of which, in order to pay treasure and the balance of treasure is particularly prominent. The development of Internet finance at some levels to reduce the profitability of commercial banks, but also gave a new mode of thinking, to promote commercial banks began to reform and innovation, to promote commercial banks to change the business structure, to facilitate the improvement of commercial banks profit model. This topic will study the impact of the development of Internet finance on the profit model of traditional commercial banks. At the beginning, the background and significance of this topic are expounded. In chapter two, the author introduces the general situation of Internet finance and the present situation of our country. In chapter 3, it introduces the profit model of commercial banks and analyzes the favorable influence of Internet finance. Four chapters from the perspective of empirical analysis of commercial banks profit model, the last chapter gives recommendations and measures. The whole paper hopes to serve the economic construction of the Internet better and promote the healthy development of the financial industry, especially the banking industry, has the key theoretical significance and practical significance.

Key words: Internet Finance; Commercial Banks; Profit Model

目录

摘要 Ⅰ

ABSTRACT Ⅱ

第一章导论 1

1.1选题背景 1

1.2研究意义 1

第二章互联网金融概况 2

2.1互联网金融的界定 2

2.2互联网金融的模式 2

2.3我国互联网金融发展的现状 4

第三章互联网金融对商业银行盈利影响的定量分析 9

3.1我国商业银行的盈利情况 9

3.2互联网金融对商业银行盈利的实证分析 10

第四章互联网金融的对商业银行盈利影响的定性分析 16

4.1互联网金融对商业银行盈利的有利影响 16

4.2互联网金融对商业银行盈利的不利影响 17

第五章商业银行在互联网金融启发下的盈利增长策略 20

5.1贷款业务的增长策略 20

5.2存款业务的增长策略 20

5.3中间业务增长战略 21

结束语 22

致谢 23

参考文献 24

第一章导论

1.1选题背景

互联网技术的飞速进步带动了人民的生活方式日新月异。目前，互联网的触角已经涉及到了各种领域，尤其是金融领域。由于智能手机的普及，大数据处理和云计算等计算机技术的应用，互联网金融的应用在支付领域、基金销售领域、网络融资领域的发展速度可谓一日千里.