我国银行未来商业模式的选择研究

Future Business Modes for Chinese Banks

商业模式在企业生存发展中至关重要,研究表明,有49%的企业因为选择了错误的商业模式而致使创业失败。商业银行作为金融企业,同样面临商业模式的选择。银行未来选择什么样的商业模式,主要考量金融改革深入化、技术发展成熟化、客户需求多样化、竞争环境复杂化等基本因素。当今,互联网金融的快速发展,改变了商业银行商业模式的存在基础,科学分析决定银行商业模式变化的基本因素,准确判断未来银行商业模式变化趋势,进而尽早进行战略决策,对于商业银行在新的形势下增强竞争力,保持可持续发展有十分重要的意义。

To choose a suitable business mode is vital for an enterprise＇s development. Researches show that as many as 49% enterprises failed in their start-up due to choosing an unsuitable mode. It is the same with commercial banks. Which business mode to choose depends on such basic elements as the deepening of financial reform, the maturation of technological development, the diversification of customer demand and the complication of competition environment. Facing the rapid growth of the Internet finance, commercial banks have to make scientific analysis of the factors causing changes and make reasonable judgments of the changing trend. Strategic decisions importance for enterprises to enhance their competitiveness and to keep sustainable in advance are vital development.