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数据化、信息化时代的高速发展使得各种技术在传统领域掀起了一阵改革狂潮。传统金融业也概莫能外,银行的物理式经营方式已经难以满足时代的需求。新兴电子商务在以网络技术,数据传输的全新金融销售平台下不断扩大着市场占有率,这着实让中国的主流金融业压力倍增。与此同时,一些银行在信息科技等方面的安全隐患被曝出,这无疑是在银行业陷入危机的时候雪上加霜。这样的形势下,银行金融应该顺应大趋势,加快战略技术转型。提升科技服务能力并且要加强科技信息风险防控能力,只有积极迎接互联网金融时代带来的挑战才能实现平衡协调可持续的发展。对此本文根据银行在互联网金融时代下的各方面思考,提出了一系列解决措施。
The rapid development of the age of data and information has caused various technologies to set off a frenzy of reform in the traditional field. The traditional financial industry is also out of the question. The bank’s physical management methods have been unable to meet the needs of the times. Emerging e-commerce continues to expand its market share under new financial sales platforms with network technology and data transmission, which actually doubles the pressure on China’s mainstream financial industry. At the same time, some banks have been exposed to security risks in information technology and other aspects, which is undoubtedly aggravated when the banking industry is in crisis. In such a situation, bank finance should follow the general trend and accelerate the strategic technological transformation. To enhance technological service capabilities and strengthen the prevention and control of technological information risks, only actively meet the challenges brought about by the Internet finance era to achieve balanced, coordinated and sustainable development. This article proposes a series of solutions based on the bank’s thinking in various aspects of the Internet finance era.