互联网金融对我国商业银行信贷业务的冲击与对策——以中国建设银行为例

The Impact of Internet Finance on the Credit Business of Commercial Banks in China and the Countermeasures——Take China Construction Bank as An Example

近年来,互联网金融发展迅速,促进了阿里金融模式、P2P网贷、第三方支付平台等一系列新兴互联网金融经济的快速发展,但同时以商业银行为代表的银行等传统金融机构所运营的相关传统业务受到了一定的冲击。面对新型金融产业的发展方向,相关银行机构必须快速对传统业务进行转型,把一些发展缓慢的业务与网络紧密结合,紧跟时代步伐开发出更多新产品与新服务,从而缓解银行传统业务在互联网时代下的艰难窘境。针对目前金融机构传统经营模式存在的问题,本文以中国建设银行为例,主要分析了互联网金融时代下传统信贷业务受到冲击的原因,总结了现有的国内外文献研究,提出了科学的银行业务网络发展模式,以为传统商业银行发展提供相关的参考依据。

Internet in China has been through a rapid development in recent years. It has promoted a series of emerging Internet financial economies,such as Ali financial model,P2 P online loan and third-party payment platform. But at the same time,traditional businesses operated by traditional financial institutions,such as commercial Banks,have been impacted to some extent. Facing the development direction of the new financial industry,the relevant banking institutions must quickly transform the traditional business. Some slow-growing businesses should be closely combined with the Internet,and more new products and services should be developed to keep pace with The Times,so as to alleviate the difficulties of traditional banking business in the Internet era. Aiming at the problems existing in the traditional business model,financial institutions in China construction bank,for example,this paper mainly analyzes the era of the Internet financial impact on traditional credit business reasons,summarizes the existing literature research at home and abroad,put forward the scientific mode of bank business network development,provide reference basis for the traditional commercial bank development.