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互联网金融具有支付快捷、资金配置效率高、资金匹配成本低等优势,不断推出新产品和新商业模式,对商业银行的信贷业务、支付结算业务、金融理财业务等产生了全面性、系统性和持续性的冲击。面对互联网金融的迅猛攻势,商业银行应审时度势从战略高度去重视互联网金融业态,重视大数据的挖掘与开发,主动迎接互联网金融的挑战,适时推进互联网技术与商业银行业务的融合与渗透,从而实现经营理念、人才培养、科技开发、业务流程以及风险防范的全面调整与战略转型,以
With the advantages of quick payment, high capital allocation efficiency and low capital matching cost, Internet finance has introduced new products and new business models continuously and has produced a comprehensive and systematic review of the credit business, payment and settlement business and financial wealth management business of commercial banks Sustained impact. Faced with the rapid Internet financial offensive, commercial banks should assess the situation from a strategic height to the Internet financial format, pay attention to the mining and development of big data, take the initiative to meet the challenges of Internet finance, timely promotion of Internet technology and commercial banking integration and infiltration, and thus To achieve business philosophy, personnel training, science and technology development, business processes and risk prevention comprehensive adjustment and strategic restructuring to