互联网时代传统银行发展趋势及监管路径研究  

The Study of Traditional Banks' Development Trend and Regulatory Path in the Internet Era

作　　者：曹淼孙[1] CAO Miao-sun(Capital University of Physical Education and Sports,Beijing 100191,China)

机构地区：[1]首都体育学院,北京100191

出　　处：《技术经济与管理研究》2018年第7期86-90,共5页Journal of Technical Economics & Management

摘　　要："互联网+传统商业银行"的新型业态模式不仅具有改革传统金融、创新金融模式的作用,更为传统金融服务的发展提供了广阔空间。作为金融领域的带头产业-传统商业银行更要抓住发展契机,积极寻求与互联网技术的合作,创新传统金融发展。虽然传统商业银行与互联网技术的融合不断成熟,形成了不同种类的银行发展模式,提升了传统金融运行效率。但是互联网技术在金融领域的应用在一定程度上改变了原有金融运行环境,不仅使传统金融风险升级,更带来了若干新型的金融风险,对金融监管的能力也提出了更高要求。＂Internet plus traditional band＂, as a new format model, not only has the function of reforming traditional finance and innovating financial mode, but also provides broad space for the development of traditional financial services. As a leading industry in the financial field, the traditional commercial banks need to seize the opportunity of development and seek cooperation with Internet technology enterprises to innovate traditional financial development. Although the integration of traditional commercial and Internet technology has matured and formed different types of bank models, which has improved the efficiency of traditional financial operation.However, the application of Internet technology in the financial field has changed the original financial environment to a certain extent,not only to upgrade the traditional financial risk, but also to bring a number of new financial risks, and put forward higher requirements for financial regulation and capabilities.

关 键 词：互联网+ 传统金融 银行发展 风险监管 

分 类 号：F832.3[经济管理—金融学]