互联网金融背景下商业银行发展策略研究

Development Strategy for Commercial Banks under the Context of Internet Finance

相较于传统的金融服务模式,网络支付、网络借贷等新型互联网金融模式备受青睐,源于互联网金融企业更为重视客户的需求和体验,在多种金融服务方面提供更多的自主性和便捷性,消费者个性化、差异化的服务需求得到充分的满足,这对商业银行的发展带来了传统业务消减、收入源减少的巨大冲击,虽然商业银行具有雄厚的资本、优质的客户资源、健全的风控体系、丰富的数据资源优势。但商业银行仍存在极高的行业准入门槛、流程复杂、人才缺乏、非结构化数据匮乏等不足。为此与互联网企业密切合作,同时不断提升客户体验,积极开拓新型业务,加强复合型人才储备,以及深入优化与完善风控体系,是商业银行面对冲击能够继续维持核心竞争力的可行方向。

Compared with the traditional financial service mode,new Internet financial mode,such as online payment and online lending,very popular,because Internet financial enterprises pay more attention to customer's needs and experience,and provide more autonomy and convenience in various financial services.The new mode meet the demand of consumers'individual and differentiated services.It also brings about great impact on the reduction of traditional business and the reduction of income sources for the development of commercial banks.Commercial banks usually have abundant capital,high quality customer resources,sound risk control system,and strong data resource advantages.However,commercial banks still have many shortcomings,such as high barriers to entry,complex processes,lack of talents,and deficiency of unstructured data.Therefore,it is a feasible direction for commercial banks to maintain the core competitiveness by means of cooperating with Internet enterprises,promoting customer experience,developing new business,strengthening the reserve of inter-disciplinary talents,and optimizing and perfecting the risk control system.