互联网金融时代我国商业银行转型主要路径评价

Evaluation of the main path of the transition of Commercial Bank of Internet Financial Times

互联网金融的迅速发展对我国商业银行造成了巨大的冲击,我国各商业银行也纷纷探索自身的转型路径,以应对来自互联网企业的挑战。本文探讨了目前国内商业银行在面对互联网金融发展时采取的电子银行、银行电商平台、直销银行、与互联网企业建立联盟等路径的发展现状,并结合我国商业银行的经营现状和特点分析商业银行在转型过程中存在的主要问题。

The rapid development of Internet finance has a great impact on China＇s commercial banks, Chinese commercial banks are also have to explore the transformation path of its own, to cope with the challenge from the Internet enterprise. This paper discusses the present situation of the development of electronic banking, the current domestic commercial banks in the face of the Internet financial development to take the bank business platform, direct bank, Internet companies and establish alliances path, and according to the main problems present situation and characteristics of business analysis of Commercial Bank of our country commercial bank exists in the process of transformation.