我国商业银行向开放型银行转型的背景及策略分析

Analysis on the Background and Strategy of My Country's Commercial Bank Transition to Open Bank

2018年7月12日,浦发银行正式推出我国银行业首个APIBank无界开放型银行。随后,建设银行和招商银行相继推出开放型银行相关服务。开放型银行的出现,为银行的发展提供了一个新思路。本文主要从开放型银行的经营模式入手,分析开放型银行经营模式与传统商业银行经营模式的不同之处,深入探讨开放型银行在发展过程中面临的问题并提出相应的策略建议。

On July 12,2018,Shanghai Pudong Development Bank officially launched the first APIBank unbounded open bank in my country's banking industry.Subsequently,China Construction Bank and China Merchants Bank successively launched open bankingrelated services.The emergence of open banks provides a new idea for the development of banks.This article mainly starts with the open bank business model,analyzes the difference between the open bank business model and the traditional commercial bank busi-ness model,deeply explores the problems faced by the open bank in the development process and puts forward corresponding strategy suggestions.