摘 要
本论文旨在探讨互联网金融与传统银行业的优劣势比较以及对传统银行业的影响和挑战。首先，从概念和理论基础方面分析了互联网金融的定义、传统银行业的发展历程、两种业态的区别和互联网金融的优劣势。然后，通过问题分析部分，探讨了互联网金融对传统银行业的影响、传统银行业面临的问题现状、互联网金融的发展现状及问题以及监管政策对传统银行业的影响。最后，提出了针对传统银行业的优化方案，包括优化经营模式、与互联网金融企业合作、融合发展和加强监管政策。通过本文的研究，可以更好地了解互联网金融与传统银行业的发展趋势和相互影响，可为金融行业的未来发展提供有益的参考。
关键词：互联网金融 传统银行 金融行业
Abstract
The purpose of this paper is to discuss the advantages and disadvantages of Internet finance and traditional banking, as well as the impact and challenges on traditional banking. First of all, it analyzes the definition of Internet finance, the development course of traditional banking, the difference between the two forms of business and the advantages and disadvantages of Internet finance from the aspects of concept and theoretical basis. Then, through the problem analysis part, it discusses the impact of Internet finance on the traditional banking industry, the current situation of problems faced by the traditional banking industry, the development status and problems of Internet finance, and the impact of regulatory policies on the traditional banking industry. Finally, the paper puts forward an optimization plan for the traditional banking industry, including optimizing the business model, cooperating with Internet financial enterprises, integrating development and strengthening regulatory policies. Through the research of this paper, we can better understand the development trend and mutual influence of Internet finance and traditional banking industry, which can provide useful reference for the future development of financial industry.
Key words:Internet finance; Traditional banks; Financial industry
目 录
摘 要 I
Abstract II
一、引言 1
二、相关概念及理论基础 2
（一）互联网金融概念解析 2
（二）传统银行业发展历程 2
（三）互联网金融与传统银行业的区别 3
（四）互联网金融的优势与劣势 3
三、互联网金融的问题分析 5
（一）互联网金融对传统银行业的影响 5
（二）传统银行业面临的问题现状 5
（三）互联网金融的发展现状及问题 5
（四）互联网金融监管政策对传统银行业的影响 6
四、传统银行业优化方案 7
（一）优化传统银行业的经营模式 7
（二）加强传统银行业与互联网金融企业的合作 7
（三）探索互联网金融与传统银行业的融合 8
（四）加强监管政策与规范互联网金融市场 8
五、结论 9
参考文献 10
致 谢 11
