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近几年来,互联网金融快速发展壮大,并以其巨大的渗透力和影响力改变了人们的生活习惯和消费方式。互联网金融的发展壮大向对传统金融存在依赖的商业银行提出了巨大的挑战,如何利用互联网技术提升自身的综合金融服务水平并有效防控风险是各家商业银行的重要课题。本文以农业银行为例,通过分析互联网金融相比较传统金融所具有的竞争优势,总结并提出了商业银行应对互联网金融挑战的措施。
In recent years, Internet finance has rapidly developed and expanded, and has changed people’s living habits and consumption patterns with its huge infiltration and influence. The development and expansion of Internet finance pose a huge challenge to commercial banks that depend on traditional finance. How to use Internet technology to improve their integrated financial services and prevent and control risks is an important issue for commercial banks. This article, taking Agricultural Bank of China as an example, analyzes and analyzes the competitive advantage of Internet finance over traditional finance, and summarizes and puts forward some measures for commercial banks to meet the challenge of Internet finance.