互联网金融背景下商业银行面临的挑战及对策分析

Chal enges and Countermeasures Faced by Commercial Banks under the Background of Internet Finance

互联网金融与传统金融活动相比,能够提高客户在进行金融活动的便捷度,让客户拥有更好的体验感。但是,互联网金融平台的快速崛起对商业银行经营与发展的冲击较大。银行要想实现稳定、长远的发展目标,就必须做好改革工作,以互联网金融为背景创新商业银行运行模式,保证商业银行能够完成转型,在市场经济中获取一定地位,从而为商业银行创造更多经济效益,促进商业银行稳定长远发展。基于此,文章以互联网金融为背景,分析了商业银行面临的挑战,并提出了相应的解决措施。

Compared with traditional financial activities, internet finance can improve the convenience of customers in financial activities and give them a better sense of experience. However, the rapid rise of internet financial platforms has a great impact on the operation and development of commercial banks. If banks want to achieve stable and long-term development goals, they must do a good job of reform, innovate the operation mode of commercial banks under the background of internet finance, and ensure that commercial banks can complete the transformation and gain a certain position in the market economy, thus creating more economic benefits for commercial banks and promoting their stable and long-term development. Based on this, this paper analyzes the challenges faced by commercial banks in the background of internet finance and proposes corresponding solutions.