互联网金融冲击下提升商业银行竞争力探析

To Promote the Competitiveness of Commercial Bank Under the Background of E-Finance

互联网金融模式改变了商业银行的竞争规则、秩序和结构,使得广大机构和个人客户在寻求金融服务时有了巨大的选择空间,互联网金融业务的发展将会对传统商业银行造成很大的冲击。商业银行要想不被革命,就要打破传统,直面现实,迎接挑战,通过战略转型和业务转型提升自身竞争力,促进自身持续稳定发展。

The Intemet financial model has changed the commercial bank＇s competition rules, order and structure. So the institutions and individual have a great choice when they are looking for financial services. The development of Internet banking will cause great impact on the traditional commercial bank. In order not to be outdone, commercial bank has to break free from the traditional ideas, face the facts and accept the challenges. As a result, commercial bank must change the strategy of competition and business so as to enhance its own competitiveness.