互联网+银行:我国传统商业银行风险管理新变革

Internet+Bank: New Reforms of Risk Management of China's Traditional Commercial Banks

2015年3月,两会提出的"互联网+"计划指明了互联网与传统产业进行深度融合的产业调整发展方向,而"互联网+银行"也成为互联网金融深化改革的具体承载。商业银行风险管理作为银行稳健发展的核心竞争力之一,在"互联网+银行"的趋势下需要思考如何深度嫁接互联网技术进行变革。在简要梳理文献资料的基础上,本文深入分析互联网技术对传统商业银行风险管理的深远意义,探讨商业银行风险管理的现实差距,指出传统商业银行风险管理向"互联网+银行"方式下的风险管理模式的突破路径,为传统商业银行风险管理在新常态下实现变革发展提供理论分析和实践参考。

In the Two Sessions in March 2015,＂ Intemet ＋ ＂ scheme indicates the deep convergence between the Internet and traditional industries. Risk management regarding as core competitiveness in the development of commercial banks, should consider the pace of changing by combining with Internet technology. This paper analyzes that lntemet technology is of great significance to traditional commercial banks. And there is a great gap for risk management in traditional commercial banks. We give the path selection of the transformation strategy from risk management in traditional commercial banks to risk management in ＂Intemet ＋ Banks＂, providing the theoretical analyses and practical reference for the pattern breaking of traditional commercial banks.