互联网金融对传统商业银行的影响及对策研究

The Influence of Internet Finance on Traditional Commercial Banks and Countermeasures

近年来,随着我国经济的快速发展和互联网的普及,新兴的互联网金融产品如P2P、第三方支付、网络贷款、众筹金融等已经快速渗透到我们的生活当中,甚至成为我们生活当中不可或缺的一部分。而且,这些互联网金融产品和服务还在以惊人的速度持续增长着,无论是客户数量还是产品服务创新速度都处在高速增长的状态。这种新兴的互联网金融交易模式使交易成本不断降低,客户体验不断提高,对传统的商业银行造成巨大的冲击,具体表现在降低了传统商业银行的中介作用、加剧传统商业银行的金融脱媒、降低了传统商业银行的固有优势、迫使传统商业银行转换思维等。因此,传统商业银行要想在竞争中立于不败之地,必须重视客户体验,提高服务质量、加强数据积累与挖掘,注重培养互联网金融人才、加强与互联网金融企业的合作,取长补短,合作共赢。

In recent years, with the rapid development of China＇ s economy and the popularity of the Intemet, emerging Intemet financial products such as P2P, third - party payment, online loans, and crowd funding have rapidly penetrated into our lives and even become part of our lives, a indispensable part, and these Intemet financial products and services are still growing at an alarming rate. Both the number of customers and the speed of product service innovation are in a state of rapid growth. This emerging Intemet financial transaction model makes a continuous reduction in transaction costs and continuous improvement in customer experience, causing tremendous impacts on traditional commercial banks. The specific performance has reduced the intermediary role of traditional commercial banks, aggravate d the financial disintermediation of traditional commercial banks, and reduce the inherent advantages of traditional commercial banks, forcing traditional commercial banks to change their thinking. Therefore, traditional commercial banks must pay attention to the customer experience in an invincible position in competition, improve service quality, strengthen data accumulation and excavation, pay attention to the training of Internet finance talents, strengthen cooperation with Intemet finance companies, learn from each other, and achieve win - win cooperation.