导　　师： 蒋海

学科专业： 020204

授予学位： 硕士

作　　者： ;

机构地区： 暨南大学

摘　　要： 互联网金融是一个新鲜的概念，2013年是互联网金融的元年，互联网金融的内涵和模式在不断的变化和拓展。近年来，各种互联网金融服务模式的相继诞生，对传统金融业产生了巨大的影响，互联网金融已然成为各界关注的焦点。 互联网金融与电子商务分不开，在此基础上，本文选取阿里巴巴集团为案例，试图通过对阿里巴巴集团三大互联网金融业务进行SWOT分析，为我国商业银行的发展提出一些可行性建议。本文首先介绍了互联网金融的涵义和特点，接着介绍了阿里巴巴集团的概况及其涉及到的互联网金融业务（支付宝、阿里小贷和余额宝）。然后对这三大互联网金融业务进行SWOT分析，通过所搜集到的相关资料，进一步分析了互联网金融业务迅速发展的原因，着重分析了这三大互联网金融业务对我国传统商业银行经营的影响，指出互联网金融业务处处都在与传统商业银行进行竞争。最后，本文依据互联网金融对我国商业银行的挑战分析，给我国商业银行的发展提出一些对策建议。 Internetfinancial is a new concept,2013is the first year of the Internet financial,Internet Financial connotation and mode in the constant change and development. Inrecent years, all kinds of the Internet financial service modelwas born, had a greatinfluence on the traditional financial industry. The Internet has become the focus of allfinancial. The Internet Finance and e-commerce is not divided, on the basis of this, thispaper selects Alibaba group as example, attempts to Alibaba group three big internetfinancial business SWOT analysis, and put forward some feasible suggestions for thedevelopment of China's commercial banks. This paper firstly introduces the definitionand characteristics of the Internet financial, then introduces the general situationAlibaba group and related to Internet Banking /(Electronic Payment, Ali OnlineMicro-Credit and Yu Ebao/). Then the three largest Internet financial business SWOTanalysis, relevant information through the collected, further analysis of the causes ofthe rapid development of Internet banking, analyzes these three internet financialbusiness impact on the traditional commercial bank operation in China, points out thatthe Internet financial business competes with the traditional commercial bankanywhere. Finally, on the basis of the Internet financial analysis to our countrycommercial bank challenge, to the development of commercial banks in China andputs forward some countermeasures and suggestions.

关 键 词： 互联网金融 支付宝 阿里巴巴 阿里小贷 余额宝 商业银行

分 类 号： [F832.33]

领　　域： [经济管理]