我国商业银行机构生态资源变化特点、理论难点及发展对策  

Change Characteristics,Theoretical Difficulties and Development Countermeasures of Chinese Commercial Bank Institution Ecological Resources

作　　者：陆岷峰 LU Minfeng(Research Center of Internet Finance Innovation and Development,Nanjing University of Technology,Nanjing,Jiangsu 210000,China)

机构地区：[1]南京工业大学互联网金融创新发展研究中心,江苏南京210000

出　　处：《金融教育研究》2023年第3期48-58,共11页Research of Finance and Education

基　　金：国家社会科学基金项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022)。

摘　　要：在以手工操作或半电子化为主的时代,商业银行只有通过增加机构网点的数量来满足多元化、多样化的金融服务需求。商业银行机构数量越多,市场满足度越高;大中小机构越平衡,不同规模的客户越可得到理想的金融服务。然而,数字技术的快速发展,从根本上改变了传统的商业银行机构生态存在的基础,机构数量趋少、单个规模变大,服务渠道多元、发展功能综合,业务场景线上化构成新时期商业银行机构生态新特点。数字化、线上化、智慧化等将成为商业银行发展新生态模式。商业银行机构特别是中小商业银行必须高瞻远瞩,掌握商业银行机构生态变化趋势,树立全新的科学的机构生态新理念,找准定位,做大规模,发展网络银行,深化改革,以避免在新一轮金融生态变革中被边缘化或被动地退出市场。In the era of manual operation or semi-electronic,commercial banks can only increase the number of institutional outlets to meet the diversified needs of financial services.The more commercial bank institutions,the higher the market satisfaction;the more balanced the large and small institutions are,the better the financial services will be for customers of different sizes.However,the rapid development of digital technology has fundamentally changed the basis of the existence of traditional commercial bank institutional ecology.The number of institutions is decreasing,the individual scale is increasing,the service channels are diversified,the development functions are integrated,and the online business scenarios constitute the new characteristics of the institutional ecology of commercial banks in the new era.Digitalization,online and intelligent development will become the new ecological model of commercial banks.Commercial banking institutions,especially small and medium-sized commercial banks,must be forward-looking,grasp the trend of institutional ecological change,establish a new scientific institutional ecological concept,find the right positioning,develop a large scale,develop network banks,and deepen the reform,so as to avoid being marginalized or passively withdrawn from the market in the new round of financial ecological reform.

关 键 词：商业银行 机构生态 规模金融 数字技术 网络银行 

分 类 号：F832.39[经济管理—金融学]