基于互联网金融下城商银行业务发展策略分析  

Analysis of Business Development Strategies for Urban Commercial Banks Based on Internet Finance

作　　者：刘天宇 冷东波[1] LIU Tianyu;LENG Dongbo

机构地区：[1]中国人民银行长春中心支行清算中心,吉林长春130061

出　　处：《吉林金融研究》2023年第5期35-38,78,共5页Journal of Jilin Financial Research

摘　　要：自21世纪以来,互联网依托其迅猛发展的态势,诸如大数据、云计算等促进了各行各业信息化的普及,互联网与金融相关领域不断融合的过程中,互联网金融应运兴起。目前,在互联网与金融高度融合的模式下,城商银行期望达到扩大业务范围,提高综合收益,完成相应升级转型工作的目的。本文以吉林银行为例,阐述城商银行业务发展所需策略建议,分析出城商银行应进一步完善资源管理,加强信息整合,对自身进行全方位革新,打造符合自身特点的服务模式。Since the 21st century,the Internet has relied on its rapid development,such as Big data and cloud computing,to promote the popularization of informatization in all walks of life.Internet finance has emerged in the process of continuous integration of the Internet and financial related fields.At present,in the highly integrated model of internet finance,Urban Commercial Bank aims to expand its business scope,improve comprehensive income,and complete corresponding upgrading and transformation work.Taking Bank of Jilin as an example,this paper expounds the strategic suggestions needed for the business development of city commercial banks.At the same time,city commercial banks should further improve resource management,strengthen information integration,carry out all-round innovation on themselves,and create a service model that conforms to their own characteristics.

关 键 词：互联网金融 城商银行 业务发展策略 

分 类 号：F830[经济管理—金融学]