摘要
互联网或许是近20年来最能深刻改变人类社会的技术。在短短的20年里，互联网从无到有，渗透到人类生活的各个角落。伴随着网络的快速发展，尤其是移动互联网的快速发展，互联网金融也日益成为人们日常生活中必不可少的一部分。
据中国电子商务研究中心()监测数据显示，2013年互联网支付交易规模53729.8亿元，截止到2013年12月，中国移动电子商务市场交易规模达到2325亿元，同比增141%。因此我们可以看出，互联网金融前景广阔，有着巨大的发展空间。一方面，互联网金融公司在传统支付结算领域不断拓展新的支付渠道，如移动支付、电话支付、微信支付、移动pos等服务方式陆续推出，为客户提供了更多更便捷的金融服务；另一方面，随着电子商务形式的不断创新，B2B，B2C，C2C等支付服务模式也随之推出，并伴随着包括从结算、担保、融资等多个方面的创新。
本文通过对互联网金融的产生及发展现状的描述，指出在互联网时代商业银行与互联网金融公司的竞争是避免不了的。通过阐述互联网金融给商业银行带来的影响，剖析了商业银行在互联网金融时代面临的竞争形势及主要机会与挑战。根据分析结果，为商业银行应对互联网金融公司的挑战提供战略选择。
关键词：互联网金融，商业银行，竞争，战略选择
ABSTRACT
The Internet is probably the most profound technology which has been changed the society over the past 20 years . In just 20 years, the Internet from scratch, penetrated into every corner of human life. Along with the rapid development of network, especially the rapid development of the mobile Internet, Internet financial has become an indispensable part of People's Daily life.
According to the China electronic commerce research center (100 ec. CN) monitoring data show that the Internet pay deals 5372.98 billion yuan in 2013, as of December 2013, the China mobile e-commerce market deals reached 232.5 billion yuan, an increase of 141%. So we can see that the Internet financial prospects, there is a huge space for development. On the one hand, Internet financial firms in the traditional pay pay settlement areas continue to expand the new channels, such as mobile payment, phone, micro letter, payment, service mode, such as mobile pos, releasing, provides customers with more convenient financial services ; on the other hand, as the constant innovation in the form of e-commerce, B2B, B2C, C2C and other payment service mode has been introduced, followed by from settlement, guarantees, financing and so on several aspects.
In this paper, through descriptions of the produce and development of the Internet financial status, pointed out that in the age of the Internet commercial Banks compete with Internet financial firms cannot be avoided. Through on the influence of the Internet financial brings to the commercial bank, analyzed the commercial Banks face the competition in the era of the Internet financial situation and the main opportunities and challenges. According to the results of the analysis for commercial Banks to meet the competitive challenges of the Internet financial companies to provide strategic choice.
Keywords: Internet financial, commercial Banks, competition, strategic choice
目录
一绪论 (4)
（一）选题背景及研究意义 (4)
（二）互联网金融的概念 (4)
（三）研究的主要内容 (5)
二互联网金融的发展现状 (5)
（一）互联网金融的模式 (5)
（二）我国互联网金融的发展历程 (6)
（三）我国互联网金融的发展势头 (6)
1.中国互联网支付市场交易规模 (7)
2.第三方支付市场主要企业交易规模市场份额 (8)
3.中国网络用户规模 (8)
4.中国网络零售市场交易规模 (9)
三互联网金融与商业银行 (10)
（一）互联网金融给商业银行带来的影响 (10)
1.对商业银行盈利方式的影响：改变商业银行的价值创造和实现方式10
2.对商业银行传统职能——支付中介职能的影响 (11)
3．对商业银行原有融资格局的影响 (11)
4. 互联网金融导致商业银行支付功能边缘化 (12)
四互联网金融时代商业银行的战略选择 (13)
（一）商业银行在互联网金融环境中的优势 (13)
1.资源比较丰富 (13)
2.安全性强 (13)
3.系统稳定 (13)
(二)商业银行在互联网金融环境中的劣势 (13)
1.操作麻烦 (13)
2.程序繁琐 (14)
3.三流不一................................... 错误!未定义书签。
（三）商业银行的战略选择 (14)
1.思维方式层面 (14)
2.加强合作 (14)
3.巩固客户基础，更新市场定位。 (15)
4.分层服务理念，更新服务渠道。............... 错误!未定义书签。
5.提高服务效率，更新管理模式。............... 错误!未定义书签。五总结和展望 .. (15)
参考文献： (16)
