互联网背景下城市商业银行小微金融业务发展现状及问题分析——基于西部某城市商业银行的调研

Current Situation and Problems of Small and Micro Financial Business of City Commercial Banks under the Background of Internet——Based on the Investigation of a City Commercial Bank in Western China

互联网金融给传统的商业银行业带来巨大的冲击,在经营理念、营销策略及运营模式等方面使商业银行面临前有未有的挑战。该文以西部某城市银行的小微金融业务作为调研对象,分析在互联网金融背景下,该城市商业银行小微金融业务在发展过程中存在的问题,并结合国内其他商业银行在互联网金融背景下开展小微金融业务的成功经验,提出了该城市商业银行在互联网金融背景下的小微金融业务发展策略。

Internet finance has brought a huge impact on the traditional commercial banking industry,which makes commercial banks face unprecedented challenges in terms of business philosophy,marketing strategy and operation mode.This paper takes the small and micro financial business of a city bank in the west of China as the research object,analyzes the problems existing in the development of the small and micro financial business of the city commercial bank under the background of Internet finance,and combined with the successful experience of other domestic commercial banks in carrying out micro-finance business in the context of Internet finance,this paper puts forward the development strategy of the small and micro financial business of the city commercial bank under the background of Internet finance.