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I我国商业银行互联网金融业务发展研究内容摘要互联网金融是指以依托于支付、云计算、社交网络以及搜索引擎等互联网工具，实现资金融通、支付和信息中介等业务的一种新兴金融形式。互联网金融打破了传统金融服务在时间、空间上的限制，使传统金融服务通过互联网技术相互融合的同时，打破了传统金融业对金融服务的垄断局面。近些年互联网金融在我国的快速发展，特别是以百度、阿里巴巴、腾讯为代表的非传统金融行业的参与，给我国商业银行带来了前所未有的竞争。因此我国商业银行如何在越来越激烈的竞争形势下，根据行业及自身的特点进行互联网金融领域的建设和发展变得尤为重要。本文共分六部分。第一部分阐述了本文研究背景目的和意义、国内外研究现状、研究的主要内容及创新点和研究方法，确定研究目标。第二部分对我国目前主要的互联网金融业务进行简单介绍，并分析互联网金融未来的发展趋势及对现有银行传统业务产生的影响。第三部分分析我国商业银行互联网金融业务发展的背景与现状。第四部分探讨了我国商业银行互联网金融业务发展存在面临的问题。第五部分对国外商业银行一些互联网金融的成功案例进行分析。第六部分针对上述存在的问题同时借鉴成功的互联网金融业务案例，提出我国商业银行互联网金融业务的发展对策。关键词：商业银行互联网金融直销银行流程再造IIAbstractTheInternetfinancereferstorelyingonthepayment,cloudcomputing,socialnetworksandsearchenginesandotherInternettools,anewfinancialimplementationformoffinancing,paymentandinformationintermediaryservice.TheInternethasbrokenthetraditionalfinancialservicesfinanciallimitationintime,space,sothatthetraditionalfinancialservicesintegrationwitheachotherthroughtheInternettechnology,breakingthetraditionalfinancialindustrymonopolyonfinancialservices.InrecentyearstheInternetFinanceinChina'srapiddevelopment,especiallythenontraditionalfinancialindustrytoBaidu,Alibaba,Tencentastherepresentativeoftheparticipation,hasbroughttheunprecedentedcompetitionforcommercialbanksinchina.SohowChina'scommercialbanksintheincreasinglyfiercecompetitionsituation,constructionanddevelopmentofthefieldofInternetfinancehasbecomeparticularlyimportantaccordingtothecharacteristicsofindustryandtheirown.Thispaperisdividedintosixparts.Thefirstpartdescribesthemaincontentofthispaperresearchbackgroundandsignificance,researchstatusathomeandabroad,researchandinnovationandresearchmethods,researchobjective.ThesecondpartmakesabriefintroductiontothemainInternetfinancialbusiness,andanalyzesthefuturedevelopmenttrendoftheInternetFinanceandtheinfluencetotheexistingtraditionalbankingbusiness.ThethirdpartanalyzesthebackgroundandcurrentsituationofthedevelopmentoftheInternetfinancialbusinessofcommercialbanksinchina.ThefourthpartdiscussesthedevelopmentoftheInternetfinancialbusinessofcommercialbanksinChinafacetheproblemofexistence.ThefifthpartistheanalysisofsuccessfulcasesofforeigncommercialbanksinsomeoftheInternetfinancial.Thesixthpartinviewoftheaboveproblemsandlearnfromsuccessfulinternetfinancialbusinesscase,putforwardthedevelopmentcountermeasuresofInternetfinancialbusinessofcommercialbanksinchina.Keywords:CommercialBank；Internetfinance；Directbank；Processreengineering1目录内容摘要................................................................................................................IAbstract.................................................................................................................II第1章绪论.........................................................................................................41.1本文研究背景...........................................................................................................................41.1.1科学技术的进步给金融服务提供了更多的扩展空间.....................................................41.1.2互联网企业向金融领域扩张给商业银行带来了巨大的竞争压力.................................41.2本文研究目的和意义...............................................................................................................51.2.1本文研究的目的................................................................................................................51.2.2本文研究的意义................................................................................................................51.3国内外研究概况.......................................................................................................................61.3.1国外研究现状....................................................................................................................61.3.2国内研究现状....................................................................................................................71.4研究的主要内容及创新点.......................................................................................................91.4.1研究的主要内容................................................................................................................91.4.2研究创新点......................................................................................................................10第2章互联网金融的发展及其对银行的影响.............................................122.1互联网金融的涵义与分类......................................................................................................122.1.1互联网金融的涵义..........................................................................................................122.1.2互联网金融业务的种类..................................................................................................132.2互联网金融发展的相关理论..................................................................................................152.2.1金融创新理论...................................................................................................................152.2.2互联网应用理论...............................................................................................................162.3互联网金融发展趋势................................................