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互联网技术和电商的飞速发展催生了互联网金融的普及和广泛应用,支付宝为代表的第三方支付平台和P2P普惠金融、众筹融资等新兴互联网金融业务蓬勃发展,给传统商业银行存贷款业务带来了巨大冲击。更为深刻的变革在于互联网金融全新的思维日益渗透到银行用户的日常生活中,由此带来了传统金融思维的巨大变革,商业银行改变经营模式和传统思维刻不容缓。本文介绍了当前互联网金融的发展现状,探讨了互联网金融对传统商业银行带来的三大冲击,并针对性地提出了在互联网冲击下,商业银行的几点应对策略。
The rapid development of Internet technology and e-commerce has given birth to the popularization and extensive use of Internet finance. The third-party payment platform represented by Alipay and the emerging Internet finance business such as P2P inclusive finance and crowdfunding financing have enjoyed a booming development. The traditional commercial bank deposits and loans Has brought a huge impact. A more profound change is that the new thinking of Internet finance has increasingly infiltrated the daily life of bank users, thus bringing about tremendous changes in traditional financial thinking. It is imperative for commercial banks to change their business models and traditional thinking. This article introduces the current development status of Internet finance, discusses three major impacts of Internet finance on traditional commercial banks, and puts forward some countermeasures for commercial banks under the impact of the Internet.