互联网金融对商业银行创新能力的影响研究

Research on the Impact of Internet Finance on the Innovation Ability of Commercial Banks

随着大数据、云计算、金融科技等新型互联网技术的发展,我国互联网信息技术水平越发成熟,而且与传统金融相比,互联网金融有着参与门槛低,交易手续费低以及运营效率更高的优势。同时,随着国家相关政策的支持,互联网金融近些年发展非常迅速,互联网技术被越来越多的企业予以使用,互联网与传统企业的相互结合,进一步推动了金融市场的成熟,同时也为其增添了新的金融需求。互联网金融也与商业银行形成了相互竞争的局面,因为其独特的优势,使得商业银行的利润空间被缩减,同时分流了其很大一部分的客户资源,面对互联网金融带来的挑战,商业银行不得不改变自己,提高自身创新能力。

With the development of new internet technologies such as big data,cloud computing and financial technology,China's internet information technology is becoming more and more mature.Compared with the traditional finance,internet finance has the advantages of low threshold,low transaction fees and higher operation efficiency.At the same time,with the support of relevant national policies,it has developed very rapidly in recent years.Internet technology is used by more and more enterprises.The combination of internet and traditional enterprises further promotes the maturity of the financial market,and also adds new financial demands for it.Internet finance and commercial banks have also formed a competitive situation.Because of its unique advantages,the profit margin of commercial banks has been reduced,and a large part of their customer resources have been diverted.Facing the challenges brought by internet finance,commercial banks must change themselves and improve their innovation ability.