互联网金融背景下商业银行发展策略研究摘要：近年来，随着时代的进步，.docVIP

互联网金融背景下商业银行发展策略研究 摘要：近年来，随着时代的进步，科技网络的快速发展，电子商务的成熟，互联网金融的产生与发展已经对商业银行产生了一定的影响。本文基于商业银行的视角，首先分析互联网金融发展的现状，揭示商业银行需关注互联网金融发展，同时需要不断提高自身竞争力，防范未来互联网金融可能对商业银行产生的不利影响；再具体分析商业银行与互联网企业比较之下的优、劣势；最后提出商业银行可以通过建立客户开放交互式网络平台、加强与互联网企业的合作、互联网金融人才发掘与培养、提升科技研发与应用水平等四个方面策略，从多方面增强自身的竞争力，使商业银行在金融领域中占据主导地位。 关键词：互联网金融；商业银行业务；发展策略 Abstract In recent years, with the progress of the times, the rapid development of science and technology network, the maturity of e-commerce, the emergence and development of Internet finance has had a certain impact on commercial banks. Based on the perspective of commercial banks, this paper first analyzes the current situation of the development of Internet finance, reveals that commercial banks need to pay attention to the development of Internet finance, and at the same time, they need to constantly improve their competitiveness. Guard against the future Internet finance may have a negative impact on commercial banks; Then the advantages and disadvantages of commercial banks and Internet enterprises are analyzed in detail. Finally, it is pointed out that commercial banks can strengthen the Internet by setting up an open and interactive network platform for customers. The cooperation of enterprises, the exploration and cultivation of Internet financial talents, the promotion of scientific and technological research and development and the application of four strategies to enhance their competitiveness from many aspects, so that commercial banks occupy a dominant position in the field of finance. Key words: Internet finance; commercial banking business; development strategy 一、引言 随着科技网络和电子商务发展的日渐成熟，人们开始步入传统金融业与互联网精神相结合的互联网金融时代，“互联网金融”已经成为最热门的词汇之一，2012年更被称为“互联网金融元年”。从商业银行的角度出发，互联网金融的迅猛发展对其业务的发展的确造成了不可忽视的影响，但这不应该是一种纯粹的冲击，也可能对其业务发展产生一种“鲶鱼效应”，即刺激商业银行更好的发展。邱峰（2013）认为互联网金融引发的技术脱媒、渠道脱媒、信息脱媒、客户关系脱媒正逐渐将银行中介功能边缘化，银行面临客户流失、业务萎缩的危险，传统经营服务模式面临变革。但由于互联网金融自身的缺陷以及商业银行具有的特殊地位，目前商业银行还无法被互联网金融取代。商业银行需要和互联网金融加强合作，同时采取多种有效措施，迎接互联网金融的崛起。冯娟娟（2013）认为伴随着互联网科技与移动通信技术的普及，我国互联网金融开始迅猛发展