浅析互联网金融对商业银行的影响摘要：本文主要分析互联网金融对商业银行的影响，从回顾国内外学者对互联网金融发展的看法和对商业银行影响的文献出发，简要介绍互联网、金融、互联网金融及其各产业的特点、各产业与互联网的融合度，进而对互联网金融应运而生的原因进行分析，为互联网对金融业的冲击影响奠定基础，对中国、美国互联网金融现状的分析与对比，介绍不同国家产生的不同业务模式。在互联网金融迅速发展壮大的基础上，对其进行分析和梳理，明确互联网时代商业银行与互联网金融竞争的必然性，阐述互联网金融对银行的刺激，主要涉及互联网金融对商业银行所处金融地位、经营模式、服务模式、经营理念以及收入来源等方面的影响，在面临挑战的情况下，互联网金融对银行业变革的推动力很强，基于此，本文针对互联网金融对商业银行的影响一一给出了应对策略、意见或建议，进而提出完善互联网金融监管的相关政策建议，打造和谐稳定的经济环境。关键词：互联网，金融商业银行，影响及对策Analysis of the influence of the Internet Finance for commercialbanksAbstract:This paper first reviews the domestic and foreign scholars view on Internetfinancial development and the literature on Internet financial influence of commercial bank,and on the Internet,the Internet financial and financial were briefly introduced,in the simpleintroduce the basic traits of each industry and each industry and Internet melting degree,clarify the Internet Finance emerge as the times require reasons and for behind explain whythe Internet the financial industry has so great impact to lay a foreshadowing,contrast,analysis of the current development in the China and America Internet finance,introducesthe produce business model.The appearance and development of Internet financialanalyzing,on the premise of the rapid development of Internet financial expansion of thecommercial bank,points out that in the Internet age and the Internet financial company'scompetition is inevitable,to reveal the impact of Internet finance to banks,mainly involvingthe Internet financial impact on commercial banks in which the financial status,businessphilosophy,management mode the service mode,and the source of income,in thesechallenges exist in the environment,the Internet financial boost to the banking reform isvery strong,in view of this,this article in view of the Internet financial impact oncommercial banks one one gives some strategies or constructive comments,and then putforward to perfect the related policy of Internet financial supervision and management,tocreate a harmonious and stable economic environment.The level of social and economicdevelopment is the basis for the development of sports industry and the media,the mediaindustry development connotation of sports also to build the development of emergingindustries.The upcoming 2008 Beijing Olympic Games to the development of the sportsmedia industry in China is a rare opportunity,by reviewing the development of the sportsmedia industry,and the provinces of eastern China (city)for dynamic analysis andcomprehensive evaluation of the level of social and economic development of the socialstructure,economic benefit,the quality of life of the population quality,four categoriesfactors,provide a basis,experience and thinking of countermeasures can be used as areference for development of sports of our country development of the media industry.Key words:The Internet,commercial bank,influence and Countermeasures目录一、绪论二、文献综述(一)因外相关文件综述(二)因内相关文件综述…2三、互联网金融给商业银行的冲击(一)互联网金融对商业银行金融地位的冲击…3(二)互联网金融对商业银行经营理念的冲击一“鲶鱼效应”(三)互联网金融对商业银行服务模式的冲击4四、商业银行对策(一)商业银行应转变经营理念…5(二)据金大数据，进军互联网金融.5参考文献