从长尾理论视角下透视商业银行应对互联网金融发展策略

From the Perspective of the Long Tail Theory Examining Commercial Banks to Respond to the Development Strategy of Internet Banking

商业银行目前在互联网金融发展的情况下,业务受到了极大的负面影响,自身亟待转型。从长尾理论视角下进行分析,目前商业银行需要重视以及把握大量的普通用户,将其转变为自身的核心用户、长期用户,并且通过在服务意识、产品设计和金融环境维护等方面的有效努力,使得商业银行能够冲出互联网金融的"围攻",迎来一个更加美好的未来。

In the situation of Internet financial development, the business of the commercial bank at present has been a great negative impact, which calls for its urgent transformation. By analyzing from the perspective of the long tail theory, the commercial banks need to pay attention to and grasp a large number of ordinary users, transform it into the core users, their long-term users, and through the sense of service, product design and other aspects of the financial environment to maintain effective efforts, allows commercial banks to rush out of the Internet financial, usher in a ＂siege＂ and a better future.