银行业面对互联网金融挑战的应对策略——基于大数据背景下的思考

伴随着信息技术及互联网的快速发展，社会正在走向全面数字化。大数据、云计算等技术的异军突起使得居民的生活行为方式和企业的生产经营方式都发生了显著变化，科技进步带来的数字化变革正在影响并形成全新的生活习惯和商业模式。在这种大背景下,以网络为载体的互联网金融改变了金融运营模式，传统的银行业正在面临严峻考验。商业银行必须全面认识大数据技术变革带来的影响，转变经营策略，积极应对互联网金融带来的深刻变革。

Strategies for Banking Challenges of the Industry to Face the Internet Finance

With the rapid development ot information tecnnology ano internet, our society is realizing digitization in everything. The spread of technologies like big data and cloud computing, has greatly changed the way of people＇s life and production and operating activities. The digital revolution is cultivating new life styles and business modes. Under the background, the internet finance based on the internet has changed the operating mode of finance, and the traditional banks are facing challenges. Therefore, the commercial banks should realize the influences of big data technology, translate operating strategies and embrace the deep reform brought by the Internet finance.