摘要
近两年来,互联网金融方兴未艾,尤其对商业银行零售业务产生较大冲击,为研究应对之策,文章从三个方面加以分析:首先,是梳理业界对互联网金融的理解与认识,包括简要发展过程、概念界定及业务范围等;其次,是分析互联网金融对商业银行零售银行业务的机遇和挑战,重点分析三个"脱媒"对商业银行产生的挑战;最后,分析商业银行零售银行业务的应对策略建议等。
In the last two year,the Internet Finance has been just unfolding,and in particular,has a huge influence on the retail business of commercial banks.To explore countermeasures,this paper analyzes from three aspects：first of all,clearing up understandings and definitions of internet finance in financial industry,including developing process, defining the concept and range of business; secondly, analyzing the challenges and opportunities internet finance brings to retail banking business of commercial banks and especial the challenges the three ＂Financial disintermediation＂brings to commercial banks;at last, analyzing suggestions to the countermeasures of retail banking business of commercial banks.
出处
《企业技术开发》
2015年第4期96-98,共3页
Technological Development of Enterprise
关键词
零售银行
互联网金融
retail banking
internet finance
