商业银行应对互联网金融挑战的策略选择

网络技术和移动通信技术的普及,大大推动了互联网金融的迅猛发展,这不仅给商业银行带来了机遇,更带来了挑战,必将对商业银行产生一系列深远的影响.目前我国支付类、融资类、理财类和保险类互联网金融发展迅速,严重冲击着商业银行的地位和传统业务,对其提出了严峻挑战.商业银行只有深度挖掘数据潜在价值、搭建P2P网贷平台、重视服务中小微企业、创新不同梯度的产品体系、建立综合电子商务平台,才能保持其可持续发展.

Strategy of How Commercial Bank Deals with Challenges of Internet Finance

The popularization of network and mobile communication technology has promoted the rapid development of internet finance, which brings commercial bank not only opportunities but also challenges and great impacts. At present, Intemet finance of payment, financing and insurance is rapidly developing and seriously impacting the role and traditional business of commercial bank, which gives severe challenges to commercial bank. Only does commercial bank deeply mine the potential value of data, build the P2P network credit platform, pay attention to serving small and medium-sized enterprises, innovate in different product systems and establish comprehensive e-commerce platform, can it maintain the sustainable development.