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我国信息技术的现代化发展,推动着金融模式持续创新,基于互联网下的金融模式备受关注,并且已经取得良好效果。基于网络状态下的这种金融运行模式不但具有迅速、便捷的特点,而且还对以往的一些金融模式带来了新的挑战与威胁,国有商业银行如果想要在激烈的金融市场竞争中稳住阵脚,首先就应当积极面对这些挑战,并积极采取有效措施予以应对。本文主要介绍互联网背景下的金融模式,分析其对原有商业银行所带来的一些挑战,并针对这些挑战提出可以应对的策略。
The modernization of information technology in our country has promoted the continuous innovation of the financial model and has drawn much attention based on the financial model under the internet and has achieved good results. This kind of mode of financial operation based on network status not only has the characteristics of speediness and convenience, but also brings new challenges and threats to some financial models in the past. If state-owned commercial banks want to stabilize in the fierce competition in the financial market In the first place, they should actively face up to these challenges and actively take effective measures to deal with them. This article mainly introduces the financial model in the background of the Internet, analyzes some of the challenges it has brought to the existing commercial banks, and proposes countermeasures against these challenges.