浅析地方商业银行发展困境和策略

On the Development Difficulties and Strategies of Local Commercial Banks

在互联网金融的浪潮下,部分银行开始发展线上银行业务。大量的平台流量使该项业务成为地方性商业银行突破经营地域限制揽存以缓解资金压力的重要手段。但由于种种原因,2020年末其被监管部门要求全面下架。归纳相关文献数据,分析互联网存款产品所暴露的问题主要在于突破监管限制,造成银行间恶性存款竞争,提高流动性风险和客户信息泄露风险,在此基础上对地方银行发展困境提出对策建议。

With the quick development of internet finance, some banks have begun to develop its online banking business. Internet deposit business refers to the new online financial model in which banks cooperate with thirdparty online platforms. In this business, banks will provide deposit products and platforms will offer a big customer flow. The large amount of online platform users makes this business an important means for local commercial banks to break through the geographical restrictions of their running and to gain deposits form people all over the country which can greatly ease the pressure of obtaining funds. However, due to various reasons, the Internet deposit business has significant risks and was eventually removed by the authorities. This paper will collate and summarize relevant papers and data to explain that the problems exposed by Internet deposit products mainly lie in breaking through regulatory restrictions, causing vicious deposit competition among banks, increasing liquidity risk and the risk of leaking customers’ information. At last we will propose suggestions to the current dilemma that local banks loss one important way to obtain deposit.