基于互联网金融背景下商业银行转型发展对策研究

The Commercial Bank Development Strategy under the Background of Internet Financialization

近年来,随着互联网IT技术的发展,我国互联网金融突飞猛进,互联网金融目前正以支付结算、渠道业务、网络信贷等寡头垄断发展范式与商业银行形成错位竞争格局。从长期来看,这种错位竞争不仅会对商业银行业务发展造成直接冲击,也将对商业银行经营管理范式产生深远影响。本文基于商业银行视角,在对互联网金融涵义、特征及范式进行概述的基础上,深入分析了互联网金融对商业银行的冲击影响渠道,进而就商业银行如何应对在经济金融新常态下互联网金融冲击进行转型发展,提出相应的对策建议:一方面,运用互联网思维,依托云和大数据,重构商业模式;另一方面,主动寻求与互联网金融合作,再造业务流程,实现银行产品、服务与互联网的深度融合;最后,在加强自身数据积累,加快人才储备的同时,主动开展风险控制,加速营业网点战略转型,以便在未来金融市场竞争中处于更有利位置。

In recent years, with the development of Internet technology, Intemet Finance by leaps and bounds in our country, thelnternet Finance is to pay the settlement, channel business, such as network credit oligopoly and commercial Banks to form dislocation competition development paradigm. In the long run, the dislocation competition will not only directly impact of commercial Banks business development, will also have a profound effect to the commercial bank management model. Based on the perspective of commercial bank, the financial implications of the Internet, characteristics and paradigm are summarized on the basis of in-depth analysis of the channels of thelnternet Finance impact of commercial Banks, and commercial Banks how to cope with the economic and financial impacts on transformation under the new normallntemet Finance development, put forward the correspond- ing countermeasures and Suggestions： on the one hand, the use of the Intemet thinking, relying on the cloud and big data, recon- struct business model; Actively seek and the Internet, on the other hand, financial cooperation, business process reengineering, banking products and services with the depth of the Internet; Finally, to strengthen its own data accumulation, to speed up the talent pool at the same time, actively carry out risk control, to speed up outlets strategic transformation, so that in the future competition in the financial markets are in a better position.