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面对宏观经济下行、货币政策审慎、用户习惯迁徙的大环境,传统银行将如何求新求变,推进互联网金融战略转型,电子银行的发展之路在哪里?本文认为,商业银行电子银行要顺势而为、发挥优势、跨界合作,使电子银行成为商业银行转型发展的新动力。2013年至今,以第三方支付、个体网络借贷(P2P)、众筹、大数据征信为代表的互联网金融已从孱弱幼苗成长为参天大树,而作为我国金融行业绝对中坚力量的传统银行对待互联网金融的态度普遍从最初的质疑、观望演变为后来的接纳、合作。
In the face of macroeconomic downturn, cautious monetary policy and habitual migration of users, how will traditional banks make new changes and promote the strategic transformation of Internet finance, where is the development path of electronic banking? This paper argues that commercial banks should follow the trend of electronic banking In order to give play to their advantages and cross-border cooperation, e-banking has become the new impetus for the transformation and development of commercial banks. Since 2013, Internet finance represented by third-party payment, P2P loans, crowdfunding and big data credit has grown from weak seedlings to giant trees, and traditional banks, as the absolute backbone of China’s financial industry, have been treated The attitude of internet finance generally evolved from initial questioning and expectation to later acceptance and cooperation.