互联网金融背景下我国中小银行的机遇与战略模式选择  

Internet Finance and Development of Small and Medium-sized Banks

作　　者：吴中超[1] 高洪洋 Wu Zhongchao;GaoHongyang(School of Tourism and Economic Management, Chengdu Universit)

机构地区：[1]成都大学旅游与经济管理学院

出　　处：《金融发展评论》2018年第3期136-146,共11页Financial Development Review

摘　　要：互联网金融凭借着服务效率高、交易成本低,服务覆盖范围等特点,对传统银行,特别是中小银行造成了强烈的冲击。处在大势中的中小银行该如何应对?本文通过分析我国的互联网金融以及中小银行现状,把互联网金融带来的冲击和影响与中小银行自身的优势与问题相结合,总结出互联网金融背景下我国中小银行的四大发展机遇;并进一步提出三大战略模式,为中小银行的成长提供了理论思路。Internet financial service of high efficiency, lower transaction costs, service coverage, the traditional banks, especially small and medium banks caused a strong impact. How should the small and medium-sized Banks cope with the situation？ This article innovation lies in through the analysis of the Internet of our country finance and the current situation of small and medium-sized Banks, impact and influence of the Internet financial combined with the advantages and problems of small and medium-sized Banks, summed up the small and medium-sized Banks in China under the background of the Internet financial four big development opportunities; Furthermore, three strategic models are put forward to provide theoretical ideas for the growth of small and medium-sized Banks.

关 键 词：互联网金融 中小银行 战略模式 

分 类 号：F724.6[经济管理—产业经济] F832.3