互联网令融浪潮下的商业银行转型研究

2013年被誉为中国的互联网金融元年。这一年，各类互联网金融平台和产品层出不穷，给予银行业新的威胁和思考．银行在互联网金融冲击下的转型方案是：开展混业经营。打造全能型银行；把握富裕人群，重点发展财富管理业务；物理网点与网络渠道相结合，建设多渠道经营模式；建设商业银行自己的电商平台；培养全面复合型金融人才.

A study of Commercial Bank Transition in the Wave of Internet Finance

2013 is honored as the first year of Chinese Internet finanee. This year, different kinds of Internct financial platforms and products came out, giving banks new threats and thinking. This paper put forward the transition strategy in the wave of Internet finance： carrying out the business mix. create a universal Bank; Grasping the rich people, focus on developing wealth management business; Combining physical network with virtual channel, build multi-channel business model; Bnihting the commercial banks＇ own electronic commerce platform; Cuhivating comprehensive financial talents.