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近几年来,随着互联网信息技术的发展,互联网金融迅速崛起。创新的互联网金融模式在支付、融资等方面具有特定的突出优势,动摇了传统商业银行作为金融中介的地位。本文认为,商业银行应尽快提升互联网技术水平,充分发挥网络的作用,大力发展创新业务。同时,要结合自身的风险控制经验,加强互联网金融的风险系统建设。
In recent years, with the development of Internet information technology, Internet finance has rapidly risen. The innovative Internet finance model has particular outstanding advantages in terms of payment and financing, and shakes the position of traditional commercial banks as financial intermediaries. This paper argues that commercial banks should upgrade the level of Internet technology as soon as possible, give full play to the role of the Internet, and vigorously develop innovative businesses. At the same time, it is necessary to strengthen the system of risk management of Internet finance in light of its own risk control experience.