互联网金融对我国银行业的影响及应对策略研究
摘 要
本论文旨在研究互联网金融对我国银行业的影响及银行业应对策略，通过文献研究法、问卷调查法和个案分析法等方法，系统分析了互联网金融、传统银行模式和互联网金融模式，以及互联网金融对银行产品和渠道的影响；同时，探讨了银行业加快转型升级、完善金融监管、提高金融科技创新能力三种应对策略，并通过问卷调查和案例分析，进一步验证了本研究的结论。研究发现，互联网金融的快速发展带来了对银行业的冲击和重塑，银行业必须加强科技创新和转型升级，提高金融风险控制能力和服务质量，才能顺应时代发展潮流，保持竞争优势。
关键词：互联网金融，银行业，应对策略，转型升级，创新能力
Research on the Impact of Internet Finance on China's Banking Industry and Corresponding Strategies
Abstract
This paper aims to study the impact of internet finance on China's banking industry and its response strategies. Through methods such as literature review, questionnaire survey, and case analysis, it systematically analyzes internet finance, traditional banking models, and internet finance models, as well as the impact of internet finance on banking products and channels; At the same time, three coping strategies were explored to accelerate the transformation and upgrading of the banking industry, improve financial regulation, and enhance financial technology innovation capabilities. The conclusions of this study were further validated through questionnaire surveys and case analysis. Research has found that the rapid development of internet finance has brought impact and reshaping to the banking industry. The banking industry must strengthen technological innovation, transformation and upgrading, improve financial risk control capabilities and service quality, in order to comply with the trend of the times and maintain competitive advantages.
Key words:Internet finance,banking industry,coping strategies, transformation and upgrading, innovation capabilities
目 录
摘 要 II
Abstract III
一、绪论 1
(一)研究背景及意义 1
(二)主要研究内容 1
二、互联网金融对银行业的影响 3
(一)互联网金融对银行业模式的影响 3
(二)互联网金融对银行产品的影响 3
(三)互联网金融对银行渠道的影响 4
三、银行业对互联网金融的应对策略 6
(一)加快转型升级 6
(二)完善金融监管 6
(三)提高金融科技创新能力 7
四、实证分析 8
(一)问卷调查结果分析 8
(二)个案研究 8
结 语 10
参考文献 11
致 谢 12
