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在全民理财的时代,互联网悄然改变今天的生活,“互联网+”在2015年的两会上被正式列入国家战略,互联网金融更汹涌而来。作为传统银行,再也不能按照自身需要去运作,更不能将自身利益与地方经济发展和客户利益对立起来,而是要真正树立“以客户需求为中心”的理念。如何进行改革创新,在服务模式上与互联网相深度契合,打造“互联网+”时代下的新模式,已成为其迫切需要解决的问题。本文介绍了互联网金融的发展现状,浅略分析其给商业银行带来的影响,并针对这种情况提出了几点应对策略。
In the era of universal finance, the Internet quietly changed the life of today. Internet + was formally included in the national strategy at two sessions in 2015, and internet finance surged even more. As a traditional bank, it can no longer operate according to its own needs, but can not confront its own interests with the development of local economy and the interests of its clients. Instead, it should truly establish the concept of “focusing on customer needs”. How to carry out the reform and innovation, deeply adapt to the Internet in service mode and create a new model under the age of “Internet +” has become an urgent problem to be solved. This article introduces the status quo of the development of Internet finance, briefly analyzes its impact on commercial banks, and puts forward some countermeasures against this situation.