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随着移动互联网、大数据、云计算等技术的成熟和快速发展,互联网金融企业的快速发展和占有的市场份额给商业银行的经营模式带来较大的挑战。因此,研究商业银行如何发挥原有优势,及时调整支付与信贷业务发展战略,继续在竞争中保持领先地位具有重要意义。
With the maturity and rapid development of technologies such as mobile Internet, big data and cloud computing, the rapid development of Internet financial enterprises and the market share they occupy bring great challenges to the business models of commercial banks. Therefore, it is of great significance to study how commercial banks can make the best of their advantages, adjust the development strategy of payment and credit business in time, and continue to maintain their leading position in the competition.