金融信息化趋势对银行业的影响及我国商业银行的应对之策

The Influence of Trend of Financial Information on Bank Industry and the Tactics of Chinese Commercial Banks

二十一世纪初传统银行业感受的最大挑战莫过于网络银行的发展。作为新世纪国际银行业发展趋势之一的网络银行,现已在很大程度上改变着传统银行业的经营理念、运营环境及竞争格局,并具有独特的竞争优势。中国即将加入WTO,网络银行业务的竞争将是金融开放后中国商业银行面对的最先冲击,国内商业银行应充分认识发展网络银行的战略意义,建立现代营销理念、加快网络金融人才的培养、提高风险管理水平,力求在新的金融竞争中处于主动。

The development of network bank is the biggest challenge to the traditional bank industry at present. Network bank is one of the development trends of international bank industry in the new century. Network bank has changed the marketing concept, management environment and competition pattern of the traditional banks, and it has the unique competition superiority. China will join in WTO, competition about network bank business between Chinese and foreign banks will be very intense. Chinese commercial banks must understand the strategic significance of developing network bank, set up the modern marketing concept, train network financial personal and increase risk management standard.