摘要
随着互联网技术的发展,互联网金融随之兴起并迅猛发展,对公众经济生活的诸多领域产生了巨大影响,同时也对商业银行的经营产生了较大的冲击。互联网金融的发展现状对商业银行的影响在基于SWOT模型下,商业银行应转变经营理念,推动以客户为中心的产品创新,实施大数据经营战略,打造智慧银行,加强与互联网企业合作,旨在降低和预防可能会出现的金融风险。
With the development of Internet technology,Internet finance rises and develops rapidly,which has a great impact on many fields of public economic life,such as the management of commercial banks. This paper analyzes the development of Internet finance and its impact on commercial banks. Based on the SWOT model,this paper analyzes the current situation of the coexistence of opportunities and challenges faced by commercial banks in the era of Internet finance,and puts forward that under the background of Internet finance,the commercial bank should change the management idea,promote the product innovation with the customer as the center,implement the big data management strategy,build the wisdom bank,strengthen the cooperation with the Internet enterprise and so on.
作者
李梅
LI Mei(Taiyuan Normal University,Jinzhong 030600,China)
出处
《经济问题》
CSSCI
北大核心
2019年第7期45-53,共9页
On Economic Problems
基金
山西省哲学社会科学重点课题“山西省系统性金融风险识别与防范研究”(2018B106)
国家社会科学基金项目“互联网金融的理论、政策与前景研究”(16BJY178)
山西省高等学校人文社会科学重点研究基地项目“农村互联网金融发展模式与风险控制研究”(2017331)
关键词
互联网金融
商业银行
经营模式
Internet finance
commercial bank
business model
