互联网金融浪潮下城商行经营发展面临的问题与挑战

近年来，伴随着科学技术的进步，以搜索引擎、大数据、社交网络和云计算等互联网技术手段为基础的互联网金融的迅速发展，因其较低的运营成本、便利的操作服务、完善的客户信用等级评估系统和惠及面较广的需求旺盛客户源，对传统商业银行业务产生了一定程度上的冲击。城市商业银行作为商业银行体系中的重要组成部门，由于资产规模和业务总量不大、IT系统建设滞后等，必然面临更多的问题与挑战，但同时如果能够积极转型，发挥自身优势，又未尝不是一个良好的机遇。

Problems and Challenges Facing of the City Firm Business Development in Internet Financial Wave

In recent years, with the progress of science and technology, Internet financial development based on the internet technology such as the search engine, large data, social networking and cloud computing, because of its low operating cost, convenient service, perfect customer credit rating system and benefit more wide demand customer source, has a certain degree of impact the traditional commercial banking business. City commercial banks as an important component of commercial banks, the asset scale and business volume is small, the IT system construction is lagging behind, will inevitably face to more problems and challenges, but if can active transformation, to play their own advantages, it is a good opportunity.