互联网金融对商业银行信贷业务的影响

发布时间：2018-03-15 07:18

本文选题：互联网金融　切入点：商业银行　出处：《中国商论》2017年33期 　论文类型：期刊论文

【摘要】：目前淘宝花呗、京东白条、P2P等各大平台的小额信贷的业务陆续开展起来,有效发展了互联网金融信贷业务。在业务量不断加大的影响下,涌现出众多新型业务,对于传统的以现金信用卡为主的商业银行来说,是一个较大的挑战。由于货币存在流动性缺失的状况,使得商业银行将短期同业拆借利率不断提高,上述行为的发生表明,商业银行对业务结构需要加强改进。针对互联网金融信贷业务,本文主要论述其发展现状,同时与商业银行的相关特点有效结合,对商业银行受此现象的影响情况进行分析,并提出改革建议。
[Abstract]:At present, the micro-credit business of various major platforms such as JingDong, JingDong and other major platforms, such as Taobao Flower, has been developed one after another, effectively developing the Internet financial credit business. Under the influence of increasing business volume, many new types of business have sprung up. It is a great challenge for the traditional commercial banks with cash credit cards. Because of the lack of currency liquidity, commercial banks will continue to raise the short-term interbank offered rate, the occurrence of the above behavior shows that, Commercial banks need to improve their business structure. In view of the Internet financial and credit business, this paper mainly discusses the current situation of its development, and effectively combines with the relevant characteristics of commercial banks to analyze the influence of this phenomenon on commercial banks. And put forward the reform proposal.
【作者单位】：中国建设银行股份有限公司柳州分行;
【分类号】：F724.6;F832.4

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