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随着科技的步伐不断地发展与迈进,各项高科技的新兴技术进入了人们的生活与工作当中。比如移动支付、云计算以及物联网等。新型的互联网金融在人们生活以及工作当中的作用越来越重。不仅如此,新型的产业给传统的商业银行业带来了巨大的机遇与挑战。所以,对于商业银行的内部条件以及经营结构进行探讨与研究,总结制定出高效合理的个贷业务发展策略是十分有必要的。对其战略优势的获得具有非常重要的作用。
As the pace of science and technology continues to develop and move forward, various emerging high-tech technologies have entered the life and work of people. Such as mobile payments, cloud computing and Internet of Things. The new Internet finance is playing a more and more important role in people’s life and work. Moreover, the new industry has brought tremendous opportunities and challenges to the traditional commercial banking industry. Therefore, for the commercial banks to explore the internal conditions and operating structure and research, summed up to develop efficient and reasonable personal loan business development strategy is very necessary. The acquisition of its strategic advantage has a very important role.