互联网金融商业模式演进及商业银行的应对策略

The Evolution of Internet Finance Business Mode and the Strategies of Commercial Banks

互联网企业与商业银行的竞争已从技术层面上升到商业模式层面,平台成为互联网金融竞争的核心。互联网渠道在标准化、显性化和简单化的金融服务中占据比较优势,而在个性化、隐性化和复杂化的专业金融服务方面仍然替代不了专业人员的现场服务。商业银行需要巩固线下专业服务能力,通过合理定位来构建新型互联网平台,从而衍生出巨大的互联网金融产业链。商业银行应以构建B2B综合电商平台为切入点,整合交易、金融、数据和各类综合应用,实施线上线下相结合的发展路径,并充分运用互联网管理文化,最终形成自身在互联网金融领域的竞争优势。

The competition between internet companies and commercial banks has changed from technical level to business mode level, and platform becomes the key of internet finance competition. Internet channels gain comparative advantages in standardized, explicit and simplified financial services, but still it can not substitute for professional's field service. Commercial banks need to strengthen off-line professional service capabilities, build a new internet platform with reasonable position, so as to produce a huge industry chain of internet finance. Commercial banks may build a comprehensive B2 B e-commerce platform as a starting point, integrate trade, finance, data and various types of comprehensive applications, create a development path combining the online and offline services, and make full use of internet management culture, eventually form their own competitive advantages in internet finance fields.