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自2012年我国的互联网金融元年始,凭借大数据时代网络技术迅猛发展的互联网金融业强烈震撼着传统金融业的格局,促使着金融业新秩序的形成。作为传统金融业的代表,商业银行既面临机遇,又面临挑战。分析互联网金融对商业银行的影响及对策,对于商业银行顺利实现战略性转型,稳住其市场份额,同时与互联网金融企业实现互惠共赢具有重要意义。本文将运用辩证分析法,从互联网金融的内涵、互联网金融对商业银行的影响及商业银行的对策分析三方面具体论述。
Since the beginning of Internet finance in China in 2012, the Internet finance industry, with the rapid development of network technology in the era of big data, has strongly shocked the pattern of the traditional financial industry and prompted the formation of a new order in the financial industry. As a representative of the traditional financial industry, commercial banks face both opportunities and challenges. Analyzing the impact of internet finance on commercial banks and the countermeasures are of great significance to the successful commercial banks’ strategic transformation, stabilizing their market shares and realizing the reciprocal win-win situation with Internet financial enterprises. This article will use the dialectical analysis method, from the Internet financial connotation, the Internet finance to the commercial bank’s influence and the commercial bank’s countermeasure analysis concrete discussion.