摘要
互联网金融作为一种新兴的金融商业模式,正在影响并改变着银行业的产品体系、盈利和经营发展方式,加速金融脱媒,重构银行业竞争格局。中小金融机构特点鲜明、劣势明显,互联网金融的到来势必会对其造成冲击,但如果二者契合得好,也会给中小金融机构带来较好的发展机遇。与大银行合作形成"零售——批发机制",发展电子银行,促进线下业务线上化,与互联网公司深入合作,建设直销银行,打造小微信贷平台等都将是中小金融机构应对互联网金融冲击的可行策略选择。
As a new kind of financial business model, internet finance is affecting and changing the banks＇ products system and development mode, speeding up financial disintermediation, reconstructing the banking competition. Small-medium financial institutions have obvious character, the arrival of the internet financial is bound to impact them, but if they fit well, also can have good opportunities. Small-medium financial institutions can cooperate with big banks, develop electric bank, promote the online and offline business, and further cooperate with the internet company and so on.
出处
《长春金融高等专科学校学报》
2015年第3期19-24,共6页
Journal of Changchun Finance College
基金
浙江省教育厅科研项目(Y201432310)
关键词
中小金融机构
互联网金融
挑战与机遇
策略选择
small-medium financial institutes
intemet finance
opportunity and innovation
strategy and choice
