互联网金融与商业银行业务的融合与发展研究

A Study of the Integration and Development of Internet Finance and Commercial Bank's Business

本文结合当前互联网金融迅速发展的背景,总结互联网金融成本低廉、受众广泛、平台开放、信息透明及注重客户体验的基本特征,研究这种金融商业模式的变革给传统商业银行带来的挑战。互联网金融推动了存款利率市场化、金融脱媒,其逐渐替代传统支付方式,使传统服务方式面临挑战,使银行难以全面掌握客户信息,面临新的风险。商业银行应积极推进金融业务与互联网技术在市场拓展、客户服务、支付、融资、风险管理等领域的融合,处理好维持传统优势与开拓新领域的关系、短期利益和长远发展的关系、客户体验与风险控制的关系、业务创新与依法合规的关系。

Based on the current development status of internet finance, this paper summarizes the basic features of internet finance, such as low cost,extensive customers, open platform, transparent information, paying attention to customer experience,and researches the impacts of changes in this financial business mode on traditional commercial banks. Internet finance has promoted the liberalization of deposit interest rates, financial disintermediation, gradually replaces traditional payment mode, and results in impacts on traditional service mode. It is difficult for banks to gain the overall customer information, so banks face new risks. Commercial banks should actively promote the integration of financial business and internet technology in the fields such as market development, customer service, payment, financing, risk management, etc., deal with the relationships well between maintaining traditional strengths and exploring new fields, short-term benefits and long-term development, customer experience and risk control, business innovation and complying with law.