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随着社会经济的发展和科技创新的不断深入,互联网金融已经进入了普通大众的生活。其在信息、成本和效率方面展现出巨大的优势,进而对传统商业银行的支付中介地位、信贷业务、利润来源和资源配置等四个方面造成冲击,我国商业银行可以通过加强与互联网企业的合作、打造以客户为中心的服务方式和重视复合式科技型人才的培育等方式来应对互联网金融的冲击。
With the development of social economy and the continuous deepening of technological innovation, Internet finance has entered the lives of ordinary people. It shows great advantages in terms of information, cost, and efficiency, which in turn impacts on the traditional intermediary banks’ payment intermediary status, credit business, profit sources, and resource allocation. China’s commercial banks can strengthen cooperation with Internet companies. , To create a customer-centric approach to service and pay attention to the cultivation of composite technology talents to deal with the impact of Internet finance.