基于商业银行视角谈P2P资金存管问题

Exploration on the Development of Commercial Banks P2P Funds Depository Business in the View of Commercial Bank

利率市场化背景下,以存贷款业务为主的传统银行已逐渐意识到P2P资金存管业务对于拓展稳定利润来源的战略重要性和现实可行性地位。从战略层面看,P2P资金存管业务的开展不仅是银行实践普惠金融的重要举措,更是银行实现互联网金融时代战略转型的关键突破口。随着监管的明确、行业的整合以及模式的优化,P2P资金存管市场将更加成熟,对银行业务结构转型及盈利模式变革产生重要的推动作用。商业银行尤其是以中小企业为主要目标客户的银行,应抓住转型机遇,以P2P资金存管业务为出发点加快战略布局,抢占新金融市场的发展先机。

Under the background of interest rate market, the traditional bank based on the deposit and loan business has gradually realized the strategic importance and practical feasibility of the P2 P fund management business to expand the stable profit source. From a strategic perspective, the development of P2 P funds depository business is not only an important measure of banking practice inclusive finance, but also a key breakthrough in the strategic transformation of the bank to achieve internet banking era. With the clear regulation, the integration of the industry as well as the mode of optimization, P2 P funds depository market will be more mature, the banking business structure and profit model transformation has an important role in promoting. Commercial banks, especially in small and medium enterprises as the main target customers of the bank, should seize the opportunity to transition, P2 P funds depository business as the starting point to speed up the strategic layout, seize the opportunity to develop new financial markets.