互联网金融:商业银行转型战略的创新驱动力

Internet Finance as an Innovative Driving Force for Commercial Banks Transformation Strategy

在中国经济由高速增长向中高速回落以及互联网金融模式的兴起和飞速发展的大背景下,我国商业银行转型压力逐渐凸显。这是"新常态"经济背景下金融改革的现实需求,也是互联网金融发展的良性刺激所致。积极探索互联网金融创新思维与商业银行转型战略结合的切入点,成为现阶段银行发展的新思路。引用互联网金融是商业银行创新驱动的实质性表现。互联网金融对商业银行的转型升级影响是多维的:第三方支付撼动银行支付地位,互联网理财影响银行存款结构,网络借贷侵蚀银行信贷业务,大数据金融激发银行创新活力。以互联网金融思维推动银行转型关键在以下四个方面:第一,以用户思维发展服务型银行。树立互联网金融的普惠金融思想,开发大众用户,服务弱势群体,实现"长尾金融效应";建立用户体验指标体系,提高用户参与度。第二,以平台思维打造开放式银行。以银行原有用户为基础,以实体网点为原型,打造线下平台;以银联为基础,依托互联网建立银行线上支付平台;充分挖掘银行客户的信用信息,借助网贷技术,建立银行信用担保平台;加强与物流、社交网站的合作,打造交易云服务平台;综合管理线下线上平台,形成商业银行一体化全服务平台。第三,以大数据思维构建信息化银行。全面整合银行内部数据;综合利用外部社会化数据。第四,以风险思维建设规范性网络银行。树立全局化的风险理念;善用大数据、云计算等先进的技术,完善风险管理方法。

In the background that Chinese economy develops from high speed to mid-high speed and the internet finance springs up and develops quickly, the pressure of our commercial banks transformation appears gradually. It is the real need of financial reform under the new normal economy and the result of the internet finance＇ s good stimulation. The new trains of thought of bank development are to explore the point combining the innovative thinking of internet finance and the commercial banks transformation strategy. The introduction of internet finance is the reflection of commercial banks innovation and drive. The influence of internet finance to commercial banks is multidimensional：The payment of the third party has shaken banks＇ status; internet financing has influenced the frame of bank deposit; network loan has corroded bank credit; and big data finance has inspired bank＇ s innovative vigor. The internet finance thinking drives the transformation of commercial banks as follows ： firstly, develop service-oriented banks with users＇ thinking. Try to build up an inclusive financial thought of internet finance, develop the mass clients, and serve the vulnerable group disadvantaged group to realize the long-tail finance effect; try to set up a target system of client experience, and increase clients＇ participation. Secondly, establish open banks with platform thinking. Set up outline platform on the basis of banks＇ former clients with the archetype of the bank entities; set up online bank payment platform on the basis of union pay and internet; set up bank credit assurance platform by making use Of clients＇ credit information and internet technology; set up cloud service platform of exchange by strengthening its cooperation with materials circulation and sociality websites; and set up the unified and complete service platform of commercial banks with the general management of online and outline platforms. Thirdly, form informative banks with big data thinking. Conform the interior data of the banks thoroughly and make use of the exterior socialized data generally. Fourthly, build standard internet banks with risk thinking. Build up a globalized risk concept, take good advantage of the advanced technologies such as big data, cloud calculation and so on, and finally perfect the risk management methods.