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当前,以大数据、云计算、移动互联网等为代表的新一代信息技术风起云涌,并迅速向金融领域渗透融合,催生了互联网金融等新业态。在技术变革的外部驱动和转型发展的内生需要相互作用下,商业银行的经营管理模式、业务运行模式、客户服务模式乃至整个银行业态面临着急剧变革,银行正加快转变发展方式,寻找可持续发展的新路径。2015年,工行以打造互联网金融服务入口为目标,积极开展业务创新,不断提升互联网金融服务能力,提出了以
At present, a new generation of information technology represented by big data, cloud computing and mobile Internet surges and quickly penetrates into the financial field, giving birth to new formats such as Internet finance. Under the interaction between the external drive of technological change and the endogenous needs of transformation and development, the business management mode, business operation mode, customer service mode and even the entire banking industry of commercial banks are facing drastic changes. Banks are accelerating the transformation of development mode and seeking for sustainable development A new path of development. In 2015, ICBC, targeting at building an Internet financial services portal, actively carried out business innovation and continuously improved its financial services capabilities in the Internet.