商业银行参与互联网金融竞争模式选择

Competition mode choice of the Commercial banks to participate in the Internet financial

互联网金融与商业银行之间的竞合关系改变了传统商业银行的经营理念、服务内容和方式。新形势下,商业银行参与互联网金融的竞争模式选择对商业银行服务模式创新、提高金融服务水平、提高风险管理水平、理顺与竞争者之间的关系实现共赢都至关重要。因此,以互联网金融的实质为切入点,从业务层面分析商业银行参与互联网金融竞争,实现商业银行在金融新形势下与时俱进的选择策略。

The competition and cooperation relationship between Internet finance and commercial banks has changed the management concept,service content and mode of traditional commercial banks.Under the new situation,the choice of competition mode of commercial bank participating in Internet finance is very important to the innovation of commercial bank service mode,the improvement of financial service level,the improvement of risk management level,and the realization of win-win relationship between commercial banks and competitors.Therefore,taking the essence of Internet finance as the starting point,this paper analyzes the commercial banksundefined participation in the Internet financial competition from the business level,and realizes the choice strategy of the commercial banks keeping pace with the times under the new financial situation.