南都学坛2015，Vol.35Issue(3)：102-108,7.
互联网金融:商业银行转型战略的创新驱动力
Internet Finance as an Innovative Driving Force for Commercial Banks Transformation Strategy
陆岷峰 1虞鹏飞1
作者信息
- 1. 南京财经大学金融学院,江苏 南京 210046
- 折叠
摘要
Abstract
In the background that Chinese economy develops from high speed to mid-high speed and the internet finance springs up and develops quickly , the pressure of our commercial banks transformation appears gradually.It is the real need of financial reform under the new normal economy and the result of the internet finance ' s good stimulation.The new trains of thought of bank development are to explore the point combining the innovative thinking of internet finance and the commercial banks transformation strategy.The introduction of internet finance is the reflection of commercial banks innovation and drive.The influence of internet finance to commercial banks is multidimensional:The payment of the third party has shaken banks ' status;internet financing has influenced the frame of bank deposit; network loan has corroded bank credit; and big data finance has inspired bank ' s innovative vigor.The internet finance thinking drives the transformation of commercial banks as follows :firstly, develop service-oriented banks with users ' thinking.Try to build up an inclusive financial thought of internet finance , develop the mass clients , and serve the vulnerable group disadvantaged group to realize the long-tail finance effect;try to set up a target system of client experience , and increase clients ' participation.Secondly, establish open banks with platform thinking.Set up outline platform on the basis of banks ' former clients with the archetype of the bank entities;set up online bank payment platform on the basis of union pay and internet; set up bank credit assurance platform by making use of clients ' credit information and internet technology; set up cloud service platform of exchange by strengthening its cooperation with materials circulation and sociality websites;and set up the unified and complete service platform of commercial banks with the general management of online and outline platforms.Thirdly, form informative banks with big data thinking.Conform the interior data of the banks thoroughly and make use of the exterior socialized data generally.Fourthly, build standard internet banks with risk thinking. Build up a globalized risk concept , take good advantage of the advanced technologies such as big data , cloud calculation and so on, and finally perfect the risk management methods.关键词
互联网金融/商业银行/金融创新Key words
internet finance/commercial bank/financial innovation分类
管理科学引用本文复制引用
陆岷峰,虞鹏飞..互联网金融:商业银行转型战略的创新驱动力[J].南都学坛,2015,35(3):102-108,7.
