互联网金融背景下商业银行个人理财业务的发展对策研究

On Development Strategy of Personal Financial Services in Commercial Banks in Context of Internet Finance

互联网金融技术的不断发展,打破了商业银行在个人理财业务方面所占据的主导地位,互联网金融理财产品快捷方便、门槛低的优势,迅速抢占着了个人理财市场,冲击商业银行的个人理财业务。在此背景下,商业银行个人理财业务要得到持续性发展,必须要加强产品创新,转变服务理念。本文分析互联网金融背景下商业银行个人理财业务存在的问题,并提出相应的对策和建议,希望对于互联网金融背景下商业银行个人理财业务发展有所帮助。

The continuous development of Internet financial technology has broken the monopoly of commercial banks in personal financial services. Because of the advantages of quickness, convenience, and low threshold, internet financial products have quickly held the personal financial market, bringing huge impact on the personal financial business of commercial banks. In this context, commercial banks have to enhance product innovation and change service concept to achieve sustainable development of personal financial management business. This paper analyses the problems in the personal finance business of commercial banks in the background of the Internet finance, and puts forward corresponding countermeasures and suggestions. It is hoped to be helpful for the development of personal finance business of commercial banks in the background of Internet finance.