摘 要
本文研究了互联网金融对传统银行业务模式的冲击与变革，以及传统银行业务模式的变革与应对策略。首先，通过介绍传统银行的角色和功能，以及传统银行业务模式的特点，揭示了传统银行的核心优势和存在的问题。接着，探讨了互联网金融对传统银行业务模式的冲击，包括互联网金融引发的市场竞争压力、互联网金融对传统银行产品和服务的替代，以及互联网金融对传统银行渠道的冲击。然后，提出了传统银行业务模式的变革与应对策略，包括传统银行对互联网金融的借鉴与融合、传统银行数字化转型的需求与措施，以及传统银行与互联网金融的合作与创新。通过研究发现，传统银行需要积极变革业务模式，结合互联网金融的创新理念和技术手段，实现数字化转型和业务升级，以应对互联网金融带来的挑战和机遇。
关键词：传统银行业务模式 互联网金融 冲击
Abstract
This paper examines the impact and transformation of traditional banking business models caused by internet finance, as well as the strategies for traditional banks to adapt to these changes. Firstly, by introducing the roles and functions of traditional banks and highlighting the characteristics of traditional banking business models, the core advantages and challenges of traditional banks are revealed. Subsequently, the paper explores the impact of internet finance on traditional banking business models, including the market competition pressure triggered by internet finance, the replacement of traditional banking products and services by internet finance, and the impact of internet finance on traditional banking channels. Finally, strategies for transforming traditional banking business models and adapting to internet finance are proposed, including the integration of internet finance concepts and practices into traditional banking, the need for digitization and measures for traditional bank's transformation, as well as cooperation and innovation between traditional banks and internet finance. Findings suggest that traditional banks need to actively transform their business models by embracing digital transformation and upgrading their services, in order to effectively respond to the challenges and opportunities brought by internet finance.
Keywords: traditional banking business models internet finance impact
目 录
一、引言 1
二、传统银行业务模式的概述 1
（一）传统银行的角色和功能 1
（二）传统银行业务模式的特点 2
三、互联网金融对传统银行业务模式的冲击 2
（一）互联网金融引发的市场竞争压力 2
（二）互联网金融对传统银行产品和服务的替代 3
（三）互联网金融对传统银行渠道的冲击 3
四、传统银行业务模式的变革与应对策略 4
（一）传统银行对互联网金融的借鉴与融合 4
（二）传统银行数字化转型的需求与措施 5
（三）传统银行与互联网金融合作与创新 5
五、结论 6
致 谢 7
参考文献 8
