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本文从城市商业银行的视角展开分析,发现互联网金融将对城市商业银行的盈利模式和服务模式造成了影响,减少银行收入,严重冲击了银行传统业务。基于此,本文对互联网背景下的城市商业银行发展策略提出了可行性建议,在经营模式转型方面,注重加强商业银行风险控制;在营销渠道方面,大力发展电子银行和移动商务,拓展业务渠道,对业务进行创新;在体制方面要逐步与互联网金融机构深度融合与合作,把握互联网金融的契机,通过优势互补和资源共享实现可持续发展。
This article analyzes from the perspective of city commercial banks, and finds that Internet finance will have an impact on the profit model and service mode of city commercial banks, reduce bank income and seriously impact the traditional business of banks. Based on this, this paper puts forward feasible suggestions on the development strategies of city commercial banks under the background of Internet. In the aspect of business mode transformation, it pays attention to strengthening the risk control of commercial banks. In terms of marketing channels, the Bank vigorously develops electronic banking and mobile commerce, expands business channels, Innovate the business; and gradually deepen the integration and cooperation with the Internet financial institutions in the aspect of system, seize the opportunity of Internet finance, and achieve sustainable development through mutual complementarity and resource sharing.