互联网金融背景下商业银行盈利模式分析  

Analysis on the Profit Model of Commercial Banks under the Background of the Internet Finance

作　　者：陆岷峰[1,2] 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：《金陵科技学院学报（社会科学版）》2016年第1期17-20,共4页Journal of Jinling Institute of Technology(Social Sciences Edition)

摘　　要：互联网金融时代,商业银行利用互联网思维和互联网创新技术,构建了集互联网金融平台和支付、投资、融资三大产品线于一体的互联网金融业务体系。商业银行在优化传统存贷款盈利模式的同时,加快了中间业务的发展,增加了非利息收入。In the era of Internet fin tion technology, commercial bank banking platform and payment, in ance, with the help of Internet thinking and Internet innova- s set up a collective of three major product lines, Internet vestment, and capital raisi tem. Commercial banks optimize the traditional profit model time accelerate the development of intermediate business, an ng into one Internet banking sys- by deposit and loan, at the same d increase non-interest income.

关 键 词：商业银行 互联网金融 盈利模式 

分 类 号：F83[经济管理—金融学]