互联网金融时代商业银行业务转型策略研究

Business Transformation Strategy of Commercial Banks in Internet Finance Era

随着网络科技的进步、电子商务的成熟和移动智能终端的普及,互联网金融在近五年内迅速发展壮大,使得商业银行的经营理念、竞争环境、客户资源都发生着持续变化,业务转型迫在眉睫。从商业银行与互联网金融企业各自的经营优势、特点入手,分析两者本质上的相互依存、优势互补的发展关系;再由第三方支付、P2P和众筹为代表的互联网金融浪潮,揭示出由于商业银行自身发展滞后原因,使其支付结算业务、借贷业务、理财业务等受到了来自互联网金融的影响;最后根据商业银行自身特点,提出加强与互联网金融企业的合作、建设商业银行移动金融平台、开拓大客户的个性化定制市场、提升大数据分析能力的转型策略。

Depending on the improvement of network technology, the maturity of e-commerce and the spread use of smart terminal, internet finance has a rapid development during the past five years, which affects business of commercial banks. Commercial banks are supposed to transform to face the changing competition environment and customer resources. In this paper we firstly describe the relation-ship between internet finance companies and commercial banks according to their advantages. Then we introduce the huge influences caused by the third party payment, the P2P platform and the crowd funding, and finally present that commercial banks should corporate with internet finance companies, build mobile finance platform, create custom-made financial services and improve the ability of analyz-ing big data.