CAJ | 학술논문

随着我国金融市场的深化以及改革进程的加快，互联网金融异军突起，其快速发展以及对于金融行业的渗透给传统银行带来越来越不可忽视的影响。互联网金融促进了传统银行与新型金融机构的竞争，面对这一新的形势，传统的金融机构应该如何面对这一新的挑战以及新的变化是需要思考的问题。文章对互联网金融的定义和特点进行了阐述和分析，通过梳理互联网金融的主要特征，深入探讨互联网金融对传统银行的影响，进而提出商业银行如何应对互联网金融的政策建议。互联网金融模式在短期内不会动摇商业银行传统的经营模式和营利方式，但从长远来说商业银行应大力利用互联网金融模式，以获得新的发展。
수착아국금융시장적심화이급개혁진정적가쾌，호련망금융이군돌기，기쾌속발전이급대우금융행업적삼투급전통은행대래월래월불가홀시적영향。호련망금융촉진료전통은행여신형금융궤구적경쟁，면대저일신적형세，전통적금융궤구응해여하면대저일신적도전이급신적변화시수요사고적문제。문장대호련망금융적정의화특점진행료천술화분석，통과소리호련망금융적주요특정，심입탐토호련망금융대전통은행적영향，진이제출상업은행여하응대호련망금융적정책건의。호련망금융모식재단기내불회동요상업은행전통적경영모식화영리방식，단종장원래설상업은행응대력이용호련망금융모식，이획득신적발전。
With the deepening of China ’ s financial markets , its rapid development and penetration of the financial sector can not be ignored .Internet banking finance promote the competitiveness of traditional and new financial institutions , in the face of this new situation , the traditional financial institutions should face this new challenge and new changes .In this paper , the definition of the Internet and financial characteristics are described and analyzed in the future , this paper attempts to sort out the main features of Internet banking , the depth financial impact of the Internet on traditional banks , commercial banks and then propose policy recom-mendations on how to deal with Internet finance .This paper argues that the Internet will not be shaken finan-cial model of traditional commercial banking business model and profitable way short term , but in the long run commercial bank financial model should use the Internet vigorously to get the new development .