互联网金融背景下地方中小商业银行的转型发展

Research on Transformation of Local Small and Medium-sized Commercial Banks under the Background of the Internet Finance

近年来,互联网金融迅速发展,成为社会关注的热点,互联网金融给地方性中小商业银行的业务经营和管理模式造成了极大的冲击,同时也为中小商业银行发挥自身优势、实现转型发展提供了机遇。本文在分析互联网金融发展概况的基础上,阐述了在互联网金融竞争环境下,中小商业银行存在的优势、劣势、挑战和机遇,并从业务体系、战略合作和经营管理等多角度给出了中小商业银行在互联网金融背景下的转型发展策略。

In recent years, the rapid development of Internet finance has become a hot spot of social concern, the Internet finance has caused a great impact on business and management mode of local Small-Medium sized commercial banks, however the Internet finance helps Small and Medium-sized commercial banks play their own advantages and achieve their transformation and development. On the basis of analyzing the general situation of Internet finance, this paper expounds the advantages, disadvantages, challenges and opportunities of Small and Medium-sized commercial banks in the environment of Internet finance competition, and gives the transformation and development strategy of small and medium- sized commercial banks in the background of internet finance from the perspective of business system, strategic cooperation and management.