互联网金融时代,商业银行如何发展?

Commercial bank how to develop in network financial time

大数据时代的到来,推动了传统产业转型升级的步伐。而互联网金融正是大数据应用的缩影,互联网企业利用网络技术和信息数据优势进军金融业,并获得迅速发展。这不仅对金融业的传统业务带来冲击,也将改变金融业的传统商业模式。基于此,文章首先对互联网金融的内涵进行界定,并介绍了互联网金融的发展现状;其次,分析了互联网金融对我国商业银行产生的影响;最后指出商业银行应打造以客户为导向的金融服务模式、建设信息化银行、加强与互联网企业的合作等方面来提升自身竞争力,从而应对互联网金融的挑战。

The arrival of the big data era promotes the transition and upgrading of traditional industry. The e-finance can be regarded as an epitome of the big data. Internet firms take advantage of web technolo- gies and information data to enter the financial indus- try, and make progress rapidly, which has impact on the traditional business of finance and changes the tradi- tional business model of finance. Based on which, the paper firstly defines the essence of e-finance, and in- troduces the development status quo; then analyses the influence of the e-finance on commercial banks of our country; finally points out that the commercial banks should build customer-oriented model of financial ser vice, construct information-based banks and strengthen cooperation with Internet firms to improve their com- peting ability, and face the challenge from e-finance.