互联网金融对我国商业银行个人理财业务的冲击及对策研究  

The Impact of Internet Finance on Personal Financial Services of Commercial Banks in China and the Countermeasures

作　　者：高诗然 GAO Shi-ran(Department of Economics and Management,Taiyuan University of Technology,Taiyuan Shanxi 030013,China)

机构地区：[1]太原工业学院经济与管理系,山西太原030013

出　　处：《吕梁学院学报》2024年第3期63-68,共6页Journal of Lyuiang University

摘　　要：继互联网渗透多个行业(如通讯和零售)之后,金融领域也逐步融入了这一趋势。具有高透明度、广泛参与性、低中间成本以及优越信息处理能力的互联网金融对商业银行的个人理财业务产生了明显的影响。互联网金融对我国商业银行个人理财业务带来了巨大的冲击,但也提供了新的发展机遇。商业银行需要通过加快创新、提升服务质量、加强合作与融合、完善风险管理机制和优化内部结构等措施,来应对当下互联网金融带来的挑战,抓住新的发展机遇。After the internet has penetrated into many industries such as communication and retail,the financial sector has gradually integrated into this trend.Internet finance has a great influence on the personal financial business of commercial banks because of its high transparency,wide participation,low intermediate cost and super information processing ability.Internet finance has brought great impact on the personal finance business of commercial banks in China,but it also provides new development opportunities.Therefore,commercial banks need to speed up innovation,improve service quality,strengthen cooperation and integration,improve risk management mechanism and optimize internal structure to meet the challenges and new development opportunities brought by internet finance.

关 键 词：互联网金融 商业银行 个人理财 

分 类 号：F812[经济管理—财政学]