摘要： 本文分析了腾讯理财通给公众带来的潜在利益，总结了互联网金融对商业银行的影响，然后重点分析了商业银行需要采取的措施。因此，本文旨在分析腾讯的理财通对商业银行的影响，并对商业银行应采取的对策提出相应的建议。此外，本文还介绍了腾讯理财通的特点、发展现状和运营模式。同时与其他第三方支付平台的理财产品进行比较，重点分析腾讯理财通的理财产品对商业银行的影响。 

 

关键词: 潜在的好处;措施;商业银行;理财产品;商业银行的影响。

 

目 录

摘 要

Abstract

Contents

1. Introduction-1

1.1 Background-1

1.2 Introduction of Licaitong-1

1.3 Goal of this Research-2

1.4 Significance of this Research-2

2. Advantages and Disadvantages of Licaitong-3

2.1 Advantages of Licaitong-3

2.1.1 Higher Returns-4

2.1.2 Simple Procedures and Low Investment Requirements-5

2.1.3 Realize Diversified Management with the Help of WeChat Platform-6

2.2 Disadvantage of Licaitong-7

2.2.1 Cyber-security Risks-7

2.2.2 Lack of Product Differentiation-8

2.2.3 Services are not Comprehensive Enough-8

3. The Impact of Licaitong on Traditional Commercial Banks-10

3.1 Impact on Traditional Commercial Banks' Business Philosophy and Business Model-10

3.2 Weaken the Role of Traditional Commercial Banks as Financial Intermediaries-10

3.3 Impact on the Banking Service Model-11

3.4 The Income Sources of Traditional Commercial Banks have been Impacted-11

4. Coping Strategies of Traditional Commercial Banks-12

4.1 The System Innovation Strategy of Commercial Banks-12

4.2 Product Innovation Strategy of Commercial Banks-13

4.3 Channel Innovation Strategies Commercial Banks-13

4.4 Technology Innovation Strategy of Commercial Banks-14

4.5 Risk Control Innovation Strategies of Commercial Banks-14

5. Conclusion and Discussion-16

5.1 Conclusion-16

5.2 Discussion-17

Reference-20