新常态下城商行轻型智慧化战略目标研究——基于互联网金融在城商行转型升级战略中的运用  

Research on the strategic objective of light and intelligent strategy of city commercial banks under the new normal state

作　　者：陆岷峰 李振国[2] 

机构地区：[1]江苏银行总行,江苏南京210005 [2]南京财经大学金融学院,江苏南京210046

出　　处：《新余学院学报》2015年第6期26-30,共5页Journal of Xinyu University

基　　金：中国银行业协会城商行战略委员会2015年项目<新常态下中国城商行转型升级战略研究>

摘　　要：随着互联网金融的发展,城商行为适应经济新常态下宏观经济金融环境和自身经营状况变化,需要以互联网金融为中心的创新驱动和差异化竞争策略为指导,利用跨界化经营合作、网络化交易平台、电子化业务流程、扁平化组织管理结构以及整合内外部信息的大数据进行电子化、数据化、智能化经营管理。为了转型成为轻型智慧化银行,城商行需要在各业务职能方面进行转变:由有型平台转向互联网金融交易平台;由重资产业务转向轻型交易银行业务;由分业经营转向跨界合作经营;由传统客户中心转向用户中心;由金字塔架构转向扁平化组织管理;由结构化审批转向大数据风险管理。With the development of Internet finance, in order to adapt to the financial environment changes and their own operating conditions, the city commercial banks need the management of light asset based financial services by cross - border business cooperation, the network of electronic business processes, flat organization management structure and integration of internal and external information under the guidance of innovation - driven and differentiated competitive strategy. To become light intelligent bank, city commercial banks need to change stylish platform to Internet banking transaction platform, change the heavy business assets to light transaction banking, change separated operation to cross - border cooperation business, change the traditional customer center to center users, change the pyramid structure to flat organization and management and change the structured examination and approval to risk manage- ment of large data.

关 键 词：城市商业银行 转型升级 轻型智慧化 互联网金融 

分 类 号：F832.33[经济管理—金融学]