商业银行互联网金融问题研究

Research on the Internet Finance Problem of Commercial Bank

互联网公司跨界经营金融业务,从存、贷、汇三个方面对商业银行带来了巨大的冲击。各家银行应对乏力,陷入被动。从获客、活客、留客多个角度分析商业银行互联网金融业务存在的问题,从企业文化、监管约束、客户群体、宣传能力、科技能力、资金投入六个维度对商业银行互联网金融业务进行深入剖析,并提出有针对性的建议。

Internet companies cross-border financial business,from savings,loans,The three aspects of remittance have brought huge impact to commercial banks.The banks were weak and passive.This paper analyzes the problems existing in the Internet financial business of commercial banks from the aspects of obtaining,staying and staying,from the aspects of corporate culture,regulatory constraints,customer group,propaganda ability,scientific and technological ability,etc.Capital investment in six dimensions of commercial banks Internet financial business in-depth analysis,and put forward targeted recommendations.