互联网金融冲击下传统商业银行的应对策略研究——基于SWOT分析方法

A Study on the Traditional Commercial Banks' Responding Strategies against the Impact of the Internet Finance——Based on SWOT Analysis Method

近年来,随着电子商务在我国的蓬勃发展,互联网企业积累了海量的用户数据,逐渐掌握了用户金融服务的需求和偏好,并将其提供的金融服务由最初的简单支付渗透到转账汇款、小额信贷、现金管理、资产管理、供应链金融、代销基金和保险产品等传统商业银行的业务领域,颠覆了传统商业银行的竞争环境,并对其产生了巨大冲击。本文运用SWOT分析法,剖析了传统商业银行在互联网金融时代面临的竞争形势及主要机会与挑战,为传统商业银行应对互联网金融的冲击提供战略选择。

In recent years, with the vigorous development of the electronic commerce in China, internet enterprises have accumu-lated vast amounts of user data, gradually mastered the needs and preferences of users’ financial service,and provided their financial services from the original simple payment to the traditional business fields of commercial banks such as transfer remittance, micro credit, cash management, asset management, supply chain finance, consigned funds and insurance products etc., which subverts the competition environment of the traditional commercial banks and has a huge impact on them. Using SWOT analysis method, the paper analyzes the competition and main opportunities and challenges faced by the traditional commercial banks in the era of the internet fi-nance, and provides the strategic choices for the traditional commercial banks to cope with the impact of the internet finance.