互联网金融背景下商业银行竞争力研究

Research on Competitiveness of Commercial Banks under the Background of Internet Financial

随着我国金融市场改革的不断深化,作为金融市场核心的商业银行面临着巨大的挑战,商业银行的垄断地位也伴随着新型互联网金融的产生逐渐下降,金融业迎来了一个新的发展格局。以商业银行为视角分析当前互联网金融的发展现状,对互联网金融和商业银行相关数据进行比较分析,通过理论与数据的结合,从商业银行的业务、经营模式、盈利收入三个角度出发,多维度研究互联网金融对传统商业银行的冲击,并结合商业银行自身的特色与优势,指出我国商业银行的未来发展定位,提出其应对互联网金融冲击的对策建议。

With the deepening reform of the financial markets, as the core of financial market, commercial bank is facing enormous challenges, the monopoly of the commercial Banks is also decreased gradually, associated with the emergence of new Internet finance, Internet finance industry has also ushered in a new development pattern. In the perspective of commercial banks, this paper analyzes the current status of Internet financial development, compares and analyzes the related data of Internet finance and commercial banks, through the combination of theory and data, from three angles of business, business model and profit income of commercial banks, multi dimension research on the impact of Internet finance on traditional commercial banks, combines with the advantages and characteristics of commercial banks, points out the future development orientation of China＇ s commercial banks and put forward some suggestions on deal with the impact of Internet finance.