互联网金融时代商业银行财务管理探究

互联网金融时代商业银行财务管理探究摘要对商业银行而言，财务管理必不可少。特别是随着互联网金融在中国的蓬勃发展，给整个金融服务产业都产生了重要的影响。而网络经济和金融的高度整合使得一大批网络金融服务公司拔地而起，这对传统的商业银行而言无疑又是一次重要的冲击。这些高科技金融服务企业的诞生让商业银行内部形成了强烈的危机感，而制度创新与技术创新也就是必须首先进行的事情。其中，商业银行的财务管理改革更要符合业务发展需要。唯有积极推进财务的制度变革和技术创新，才能更好地支持商业银行发展壮大。但是，网络金融的发展既带来了经济繁荣也带来了极高的财务风险。所以我国政府必须加大对网络融资模式的风险监察力度，从而确保商业银行能够合理发展。在此，将介绍中国互联网金融服务的发展历史及其主要内涵，在剖析中国互联网金融服务发展对商业银行财务影响的基础上，进一步找出中国互联网金融服务时期商业银行财务改革面临的重大问题，最后为商业银行如何在中国互联网金融服务时代的大背景下开展改革提供了一些可行对策，并力求为推动中国商业银行财务管理改革获得良好的进展提供依据和借鉴。关键词：互联网金融；商业银行；财务管理；风险-I-Exploring the Financial Management of Commercial Banks in theInternet Financial EraAbstractFor commercial banks,financial management is indispensable.Especially with therapid development of Internet finance in China,it has exerted great influence on the wholefinancial service industry.The high integration of Network Economy and finance makes alarge number of network financial service companies rise,which is undoubtedly animportant impact on traditional commercial banks.The birth of these high-tech financialservice companies has created a strong sense of crisis within commercial banks,andinstitutional innovation and technological innovation are the first things that must be done.In particular,the reform of the financial management of commercial banks must be in linewith the needs of business development.Only by actively promoting institutional changeand technological innovation in finance can we better support the development and growthof commercial banks.However,the development of online finance has brought botheconomic prosperity and extremely high financial risks.This is why the Chinesegovernment must step up its efforts to monitor the risks associated with online financingmodels in order to ensure that commercial banks can develop in a reasonable manner.Here,we will introduce the development history and the main connotation of Chinas Internetfinancial services.On the basis of analyzing the financial impact of Chinas InternetFinancial Services Development on commercial banks,to find out the major problems offinancial reform faced by commercial banks during the period of Chinas Internet FinancialService,and finally provide some feasible countermeasures for how commercial banks cancarry out reforms in the context of China's Internet financial services era,and seek to Thestudy aims to provide a basis and reference for promoting good progress in the financialmanagement reform of Chinese commercial banks.Key Words:Internet finance:Commercial banks:Financial management;RiskII-目录摘要IAbstract..............II一、引言1(一)研究背景.....(二)研究目的与意义(三)研究思路与研究内容......……1(四)研究方法与拟创新之处...·2二、商业银行财务管理的理论基础与文献综述3(一)商业银行财务管理内涵......3(二)商业银行财务管理的特点.··3(三)商业银行财务管理的发展阶段..·(四)商业银行财务管理的地位作用.....4(五)商业银行财务管理国内外文献综述...5三、商业银行财务管理现状……·(一)商业银行财务管理方式..7(二)商业银行财务管理的体制.....·.7>(三)商业银行财务管理理念.·(四)商业银行财务管理改进的必要性.…·1四、互联网时代商业银行财务管理存在的问题及成因分析9(一)商业银行财务管理存在的问题...…·91.不完普的财务管理体系..92.内部控制问题....93.财务风险评估和风险分散还有待完善.…104.商业银行的财务风险揭示标准不详细...........105.商业银行财务风险识别、评估模型还存在缺陷.......106.员工的专业知识能力和专业素养还具有不足·11(二)商业