摘要
随着互联网技术的迅猛发展，互联网金融逐渐崛起，对传统网上银行构成了显著的挑战。传统网上银行在面临客户流失、市场份额减少、储蓄功能削弱、支付方式边缘化以及风险管理压力增加等多重问题时，亟需寻求创新与发展对策。本文首先分析了互联网金融对传统网上银行的冲击，揭示了其背后的技术驱动和市场变化。接着，文章深入探讨了传统网上银行面临的挑战，包括服务模式的滞后、产品创新的不足以及风险管理体系的不完善等。为应对这些挑战，本文提出了一系列对策。一方面，传统网上银行应加快数字化转型步伐，提升线上服务水平，优化客户体验；另一方面，应加大产品创新和研发力度，以满足客户多样化的金融需求。同时，建立健全风险管理体系，提升风险管理能力，确保业务稳健发展。本文认为，传统网上银行在面对互联网金融冲击时，应积极拥抱变化，以开放的心态和创新的精神，不断寻求突破和发展。通过数字化转型、产品创新以及风险管理体系的完善，传统网上银行有望在未来金融市场中保持竞争优势，实现可持续发展。
关键词：互联网金融；传统网上银行；数字化转型
Abstract
With the rapid development of Internet technology, the gradual rise of Internet finance poses a significant challenge to the traditional online banking. Traditional online banking is faced with multiple problems, such as customer loss, reduced market share reduction, weakened savings function, marginalization of payment methods and increased risk management pressure, and urgently needs to seek innovation and development countermeasures. This paper first analyzes the impact of Internet finance on traditional online banking, and reveals the technology-driven technology and market changes behind it. Then, the article deeply discusses the challenges faced by traditional online banking, including the lag of service mode, the lack of product innovation and the imperfection of risk management system. To meet these challenges, this paper proposes a series of countermeasures. On the one hand, traditional online banking should accelerate the pace of digital transformation, improve the level of online services, and optimize customer experience; on the other hand, it should increase product innovation and research and development to meet the diversified financial needs of customers. At the same time, establish and improve the risk management system, improve the risk management ability, to ensure the steady development of the business. This paper holds that, when facing the impact of Internet finance, traditional online banks should actively embrace changes, and constantly seek breakthroughs and development with an open mind and innovative spirit. Through digital transformation, product innovation and the improvement of risk management system, traditional online banking is expected to maintain its competitive advantage in the future financial market and achieve sustainable development.
Keywords：Internet finance; traditional online banking; digital transformation
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、互联网金融相关概述 3
（一）互联网金融的定义 3
（二）互联网金融的分类 3
（三）互联网金融的主要业务模式 3
三、传统网上银行的业务模式 5
（一）电子支付与结算 5
（二）储蓄与存款业务 5
（三）投资理财 5
四、互联网金融对传统网上银行的冲击 7
（一）客户流失与市场份额减少 7
（二）储蓄功能削弱 7
（三）支付方式边缘化 7
五、传统网上银行应对互联网金融冲击的策略 9
（一）提供数字化服务 9
（二）调整储蓄产品利率 9
（三）加强移动支付建设 10
结 论 11
参考文献 12
