从网点到云端:互联网金融视野下的商业银行变革

From Bank Outlets to the Cloud: Commercial Banks Revolution under Internet Finance

本文对互联网金融发展的模式及优势进行了分析,指出互联网金融的普惠性、融合性、高效灵活,将弱化商业银行的中介作用,对商业银行的盈利模式等产生影响。对此,本文从培养互联网思维、"应用端+云服务"的模式。

This paper analyzes the pattern and advantages of Internet financial development, and points out that the universality,integration,high efficiency and flexibility of internet financial will weaken the commercial bank’s intermediary role and thus impact commercial banks’profit model etc. This article puts forward commercial banks revolution methods from 7 aspects such as Internet thinking training,“application side＋cloud service”mode building and big data application.