互联网金融对商业银行发展模式的效应研究

Research on the Internet Financial Effect of the Commercial Bank Development Model

伴随着互联网技术及金融自由化浪潮的快速发展,互联网金融以便捷的操作模式及廉价的交易成本为优势,掠夺了商业银行大量的客户资源,致使商业银行传统的金融业务面临较大的冲击。商业银行不得不顺应金融市场的需求,对自己的业务形态进行创新。由互联网模式带来的变革标志着我国正式迈入互联网金融时代。文章通过研究互联网金融的现状、商业银行传统业务的发展态势,在定性分析的基础上用经济计量分析方法来研究新兴互联网金融与商业银行的相互影响机理,据此提出合理化策略,以期推动两者之间的良性竞争,促进二者和谐发展。

The traditional financial business of commercial bank is facing a larger challenge, because of the rapid development ofInternet technology and financial liberalization, the advantages of convenient operation mode and cheap transaction costs, which hasrobbed a lot of customer resources from traditional financial business. Commercial Banks have to comply with the demand of financialmarket, in order to innovate its business form. Based on the research of Internet financial status and the development of the commercialbank traditional business, the corresponding rationalization strategy is provided, on the basis of qualitative analysis, with econometricanalysis method to study the interaction effect of emerging Internet financial and commercial banks, in order to promote healthycompetition and develop mutually and harmoniously between them.