摘要：当今，互联网渗透着社会中的各个领域，金融领域也不例外。随着互联网技术的不断提高，互联网与金融行业的联系进一步加深，衍生出一新兴金融产物——互联网金融。互联网金融自出现以来，以一种创新的金融模式给大众带来了高效便捷的服务体验，使传统的金融行业受到冲击，而商业银行作为金融行业的代表，更是面临严峻的挑战。在此背景下，我国商业银行应当居安思危，在深入了解竞争对手的前提下思考应对策略，从而作出行之有效的改革措施，以在激烈的市场竞争中谋得一席之地。
本文以引言开篇。首先，通过概括互联网金融的特征和作用对其做初步了解，进而围绕互联网金融的规模、速度和模式三个维度来展示当前我国互联网金融的现状。其次，从基本职能、盈利能力和客户服务模式三方面论述互联网金融背景下我国商业银行面临的挑战。最后，从市场实际出发，就我国商业银行应该如何提升自身竞争力以应对互联网金融的挑战提出对策。
关键词：互联网金融 商业银行 挑战 对策
Challenges and Countermeasures of China 's Commercial Banks under the Background of Internet Finance
Abstract: Today, the Internet infiltrates all areas of society, the financial sector is no exception. With the continuous improvement of Internet technology, the Internet and the financial industry to further deepen the link, derived from a new financial products - Internet finance. Internet banking since the emergence of an innovative financial model to the public to bring a highly efficient and convenient service experience, the traditional financial industry by the impact of commercial banks as a representative of the financial industry, is facing severe challenges. In this context, China's commercial banks should be vigilant in the depth of understanding of competitors under the premise of thinking strategies, so as to make effective reform measures to gain a place in the fierce market competition.
This article begins with an introduction. First of all, through the summary of the characteristics and role of Internet finance to do a preliminary understanding, and then around the size of Internet finance, speed and mode of three dimensions to show the current status of China's Internet finance. Secondly, it discusses the challenges of China's commercial banks under the background of Internet finance from the three aspects of basic functions, profitability and customer service model. Finally, from the reality of the market, China's commercial banks should be how to enhance their competitiveness in response to the challenges of Internet finance to put forward countermeasures.
Key Words：Internet Finance, Commercial Bank, Challenge, Countermeasure
目 录
一、引言 - 1 -
二、互联网金融的现状 - 3 -
（一）互联网金融的规模壮大 - 4 -
（二）互联网金融的发展迅速 - 7 -
（三）互联网金融的模式多样 - 8 -
三、互联网金融背景下我国商业银行面临的挑战 - 9 -
（一）弱化了商业银行的基本职能 - 9 -
（二）降低了商业银行的盈利能力 - 10 -
（三）冲击了商业银行的客户服务模式 - 11 -
四、互联网金融背景下提升我国商业银行竞争力的对策 - 12 -
（一）简化业务流程，提高工作效率 互联网金融背景下我国商业银行面临的挑战及对策研究:http://www.chuibin.com/jingji/lunwen_206274.html