互联网金融模式下商业银行个人理财业务新发展的思考

Thought on the New Development of the Personal Wealth Management of Commercial Banks under the Internet Finance Made

随着互联网金融的发展,互联网的金融模式给银行的个人理财业务带来了较大的冲击。文章分析了互联网金融对商业银行个人理财业务带来的影响,并结合商业银行现阶段实行的转型路径,综合得出商业银行在个人理财业务发展方面需利用互联网金融的优势,加强融合创新。在充分发挥自身优势的基础上提高服务质量,创新金融理财产品及服务渠道,引进互联网金融方面的专业人才,以提高客户满意度来推动个人理财业务的新发展。

With the development of the Internet financial, the internet financial model has brought great impact to the personal finance business. This paper analyzes the internet financial impacts on personal financing business of commercial bank.Combined with implementing of the current transformation path of commercial banks, it concluded that commercial banks needs taking advantage of the internet financial in developing individual financing business to strengthen integration innovation. On the basis of giving full play to their own advantages, it improves service quality, innovates financial channels of financial products and services, introduces internet financial professionals, and improves the customer satisfaction to promote the new development of personal finance business.