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商业银行作为中国金融的核心,拥有着良好的互联网业务发展优势,但是一直以来商业银行“t互联网+”创新业务的发展较为迟缓,本文从广义价值网的角度出发,分析商业银行当前形成的价值网模式,以及在此模式下发展“互联网+”创新业务的体制性阻碍,认为正是因为互联网金融业务模式与传统商业银行价值网相违背才最终导致商业银行业务发展的受阻,建议从构建独立价值网的角度发展商业银行“互联网+”创新业务。
As the core of China’s finance, commercial banks have a good advantage in the development of Internet business. However, commercial banks have been slow to innovate their businesses. From the perspective of generalized value network, Formed value network model and the development of “Internet + ” in this mode of institutional barriers to innovation, that is precisely because of the Internet financial business model and the traditional commercial bank value network eventually led to the development of commercial banking blocked , It is suggested to develop commercial bank “Internet + ” innovation business from the perspective of building an independent value network.