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随着近几年我国科学技术的快速发展,互联网技术得到了飞速发展,进而对商业银行带来了巨大挑战,商业银行传统的营业模式已经远远不能满足互联网时代发展的要求。基于此,本文首先对互联网时代下我国社会经济发展的特征做了简要分析,进而提出了完善商业银行转型的有效对策,以便能够为商业银行成功实现转型奠定良好的基础。
With the rapid development of science and technology in our country in recent years, Internet technology has been developed rapidly, which brings enormous challenges to commercial banks. The traditional business model of commercial banks is far from meeting the requirements of the development of the Internet era. Based on this, this paper first makes a brief analysis of the characteristics of China’s social and economic development under the Internet era, and then puts forward some effective countermeasures to improve the transformation of commercial banks in order to lay a good foundation for the successful transformation of commercial banks.