我国交易银行商业模式改革研究

Research on the Reform of Our Country Trade Bank Business Model

作为以客户交易为中心的金融服务单元的全面升级,商业银行交易银行正面临着商业模式的选择。传统体制下,交易银行的商业模式主要有分散性、非平台化等特征,不利于或不支撑客户交易的全部过程,在互联网金融爆发性成长和利率市场化进程进一步加快的大背景下,交易银行商业模式迫切需要变革和创新。创新交易银行的商业模式,必须对商业模式的概念和内涵进行深度研究和精确了解,必须根据交易行为的新特点与新要求,对交易银行传统的商业模式进行客观的价值评估,在此基础上综合商业模式最新特点、交易行为最新要求、西方商业银行打造交易银行的成功经验,提升我国商业银行交易银行核心竞争力目标,以互联网金融的运用作为顶层设计的环境,构建中国商业银行交易银行新的商业模式。

Commercial bank transaction bank as a customer center of the financial services unit is facing the choice of business model. Under the traditional system, transaction banking business model choice is subject to many factors, and has the characteristics such as dispersion, non-platform, which is not conducive to or does not support the entire process of the customer trading. Under the back- ground of financial explosive growth on the Internet and further speed-up of the interest rate, transaction banking business model is in an urgent need of change and innovation. Innovation trading bank business model, the concept and connotation of business model must be in-depth study and accurate understanding. It is necessary to evaluate the value of traditional business model objectively according to new features and new requirements of the trading behavior. On the basis of the latest features of comprehensive business model, new requirements for trading behavior and the successful experience of western commercial banks , the core competitiveness of our country＇s commercial bank transaction banking should be promoted. By using the Internet finance as the top-level design environment, new business model of trading banks of China＇s commercial banks should be set up.