互联网金融对商业银行的冲击和挑战分析

Analysis of the Impact and Challenges of the Internet Financial on Commercial Banks

互联网金融引发的技术脱媒、渠道脱媒、信息脱媒、客户关系脱媒正逐步边缘化银行中介功能,中间业务受到替代,面临客户流失、业务萎缩的危险,传统经营服务模式面临变革。鉴于互联网金融自身存在诸多亟待解决的缺陷以及商业银行所处的特殊地位,目前互联网金融尚无法撼动、取代商业银行,二者应加强合作,优势互补。商业银行应采取多种有效措施,迎接互联网金融的崛起。

The Internet financial gradually marginalized bank intermediary, the traditional business service models is facing change. In view of the Internet finance itself has special status and many urgent defects, currently Internet finance is still unable to shake and replace the commercial bank, the two should strengthen cooperation, complementary advantages. Commercial banks should adopt effective measures to meet the Internet finance.