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| 互联网背景下中小银行发展的问题与对策
摘 要
近年来，互联网的快速发展对于人们的生活产生了非常深远的影响，“互联网+”时代的到来也给金融行业带来明显的改变。伴随互联网的高速发展，网上银行、掌上银行、网络理财等各种各样新型的金融服务层出不穷，与此同时也向商业银行提出了挑战。因此，面对互联网金融的冲击，商业银行必须进行改革和创新，不断提升金融服务质量，加强金融风险防控，凭借大数据等新科技推进金融服务转型。本文主要针对互联网金融对于中小商业银行带来的影响进行分析，并试图提出互联网金融背景下商业银行的应对策略。
Problems And Countermeasures Of Chinese Traditional Commercial Banks' Development Under The Attack From Internet Financial
ABSTRACT
In recent years, the rapid development of the Internet has a very profound impact on people's lives. The advent of the "Internet plus" model has also brought significant changes to the financial industry. With the rapid development of the Internet,various new financial services,such as online banking, palm banking, network financial management so on, are emerging in endlessly, which also challenges the commercial banks. Therefore, in the face of the Influence of Internet finance commercial banks mustcarry out reform and innovation,improve the quality of financial services constantly, strengthen the prevention and control of financial risks, and promote the transformation of financial services with the help of new technologies such as big data. This paper mainly analyzes the impact of Internet finance on small and medium-sized commercial banks, and puts forward the strategies of commercial banks under the shock of Internet finance.
Keywords:Internet finance; commercial banks; financial services
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