摘要
互联网金融颠覆传统商业银行盈利模式,形成金融脱媒,对商业银行负债业务、资产业务和中间业务产生深远影响。本文基于"双创经济"宏观背景,结合互联网金融创新,提出了供给侧视角下商业银行结构性改革路径:基于共享金融和普惠金融要求,对商业银行现有结构进行调整和内在优化;通过增设民营银行、互联网金融解决线上线下中小微企业融资难融资贵问题;依托互联网金融创新,将互联网金融作为商业银行供给结构重要组成,促进商业银行业务创新与效率提升。
The Internet Financial subversion of the traditional commercial bank profit model, the formation of financial disintermediation, the liabilities of the business of commercial banks, asset business and intermediary business have a profound impact. Based on ＂dual economy＂ background, combined with the Internet financial innovation, this paper puts forward the path of structural reform of commercial banks from the perspective of the supply side ： firstly, adjust and optimize the internal to the Commercial Bank of the existing structure ; secondly, through the creation of private banking, Internet Banking online to solve the financing difficulties of small and micro enterprises financing problems; finally, based on the the Internet financial innovation, Internet banking as an important part of commercial bank supply structure, promote innovation and efficiency of commercial banks business.
出处
《经济体制改革》
CSSCI
北大核心
2018年第1期130-135,共6页
Reform of Economic System
关键词
供给侧
商业银行
结构性改革
互联网金融
supply side
commercial bank
structural reform
internet banking
