互联网金融发展对中国商业银行的影响及对策分析  

Effect of Internet Financial Development to Commercial Banks of China and Countermeasure Analysis

作　　者：袁博[1] 李永刚[2] 张逸龙[3] 

机构地区：[1]对外经济贸易大学,北京100029 [2]中国农业银行总行,北京100005 [3]中国人民银行济源市中心支行,河南济源459000

出　　处：《金融理论与实践》2013年第12期66-70,共5页Financial Theory and Practice

摘　　要：互联网金融的兴起正值我国金融业改革的关键时期,是金融体制改革与互联网技术发展的必然结果。互联网金融不仅是传统金融的有益补充,而且会推动我国的金融效率提升、交易结构和金融架构的深刻变革。互联网金融对原有商业银行带来"去中介化""泛金融化"和"全智能化"的新的挑战,商业银行需大力发展服务功能创新、服务渠道创新和平台模式创新以应对互联网金融的冲击和挑战。The boom of internet finance is an inexorable outcome of China＇ s financial system reforma- tion and internet technology development; it comes as a key period of China＇s financial sector reform. It is not only a useful supplement of traditional finance, but also the driving force of profound reformation of China＇ s financial efficiency, financial trade structure and architecture. Internet finance brings the new challenges of ＂disintermediation＂, ＂mixed finaneialization intelligentialize ＂ to traditional com- mercial banks. Correspondingly, original commercial banks need to vigorously develop the innovation of service function, service channel, and service platform.

关 键 词：互联网金融 商业银行改革 经营对策 

分 类 号：F830.46[经济管理—金融学]