摘要
随着互联网技术的迅猛发展，互联网金融逐渐成为推动金融行业变革的重要力量，其对传统商业银行财务管理产生了深远影响。本研究旨在探讨互联网金融背景下商业银行财务管理面临的挑战与机遇，并提出针对性的应对策略。通过文献分析、案例研究和实证调查相结合的方法，本文系统梳理了互联网金融对商业银行财务管理的具体影响，包括资金流动效率提升、风险管理复杂化以及成本结构优化等方面。研究表明，互联网金融不仅改变了商业银行的传统业务模式，还对其财务决策、资源配置和风险控制提出了更高要求。在此基础上，本文创新性地提出了基于数字化转型的财务管理优化框架，强调技术赋能、数据驱动和客户导向的重要性。研究结果表明，商业银行应充分利用大数据、云计算和人工智能等新兴技术，构建智能化财务管理体系，以提高运营效率和市场竞争力。本研究的主要贡献在于揭示了互联网金融对商业银行财务管理的多维度影响，并为相关机构提供了切实可行的改进方向，为推动商业银行在数字经济时代的可持续发展提供了理论支持与实践指导。
关键词：互联网金融；商业银行财务管理；数字化转型；财务决策优化；风险管理复杂化
Abstract
With the rapid development of Internet technology, Internet finance has gradually become a crucial force driving the transformation of the financial industry, exerting profound impacts on the financial management of traditional commercial banks. This study aims to explore the challenges and opportunities faced by commercial banks' financial management under the context of Internet finance and proposes targeted response strategies. By integrating literature analysis, case studies, and empirical investigations, this paper systematically examines the specific influences of Internet finance on commercial banks' financial management, including the enhancement of capital flow efficiency, the complication of risk management, and the optimization of cost structures. The findings indicate that Internet finance not only alters the traditional business models of commercial banks but also imposes higher demands on their financial decision-making, resource allocation, and risk control. Building on these insights, this paper innovatively puts forward a financial management optimization fr amework based on digital transformation, emphasizing the significance of technology empowerment, data-driven approaches, and customer orientation. The results suggest that commercial banks should fully leverage emerging technologies such as big data, cloud computing, and artificial intelligence to construct an intelligent financial management system, thereby enhancing operational efficiency and market competitiveness. The primary contribution of this research lies in revealing the multi-dimensional impacts of Internet finance on the financial management of commercial banks and providing actionable improvement directions for relevant institutions, offering both theoretical support and practical guidance for promoting the sustainable development of commercial banks in the era of digital economy.
Keywords：Internet Finance; Commercial Bank Financial Management; Digital Transformation; Financial Decision Optimization; Risk Management Complexity
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状综述 1
(三) 研究方法与技术路线 2
二、互联网金融对商业银行财务管理的影响分析 2
(一) 资金流动性管理的挑战与机遇 2
(二) 风险控制能力的变化与应对 3
(三) 成本与收益结构的调整 3
三、商业银行财务管理在互联网金融环境下的问题探讨 4
(一) 数据驱动决策能力不足的问题 4
(二) 传统财务管理模式的局限性 5
(三) 技术应用与创新的滞后 5
四、应对互联网金融影响的商业银行财务管理对策研究 6
(一) 构建数字化财务管理框架 6
(二) 提升风险评估与防控水平 6
(三) 推动成本优化与收益增长 7
结 论 8
参考文献 9
