“互联网+”背景下交易银行发展态势分析及其对策

The Development Trend Analysis and Countermeasures of Transaction Banking under the Background of “Internet +”

交易银行凭借其突出的优势将成为中资商业银行有效应对利率市场化、金融脱媒、互联网金融等多重影响,积极寻求对公业务转型实践的必然选择。本文基于"互联网+"的时代背景,通过SWOT分析法对中资商业银行打造交易银行目标模式的优势、不足、机遇及挑战进行系统化的梳理,并将互联网五大思维植入到交易银行目标模式中,以期构建出中资商业银行实施交易银行战略的理论框架和发展脉络,实现商业银行对公业务转型升级。

Package of financial services transaction banking refers to commercial banks around the customer＇s transactions provided. It is by virtue of its outstanding advantages of Chinese commercial banks will become effective response to the multiple impact of the interest rate market, financial disintermediation, Internet banking, and actively seek public business transformation practices inevitable choice. Under the background of ＂Internet＋＂, through SWOT analysis basis for Chinese commercial banks to create a trading bank target mode strengths, weaknesses, opportunities and challenges systematically combing on the Interact and thought applied to the transaction banking five target schema, construct Chinese commercial banks to implement the transaction theoretical framework and development context banking strategy to reshape the value chain to achieve commercial banking business transformation and upgrading of the public.