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互联网金融的发展对我国商业银行造成了巨大的冲击和挑战,在互联网金融时代下,商业银行必须及时做好必要的应对准备,才能保证银行的健康和稳定发展。本文就互联网金融对商业银行的冲击和挑战进行简要概述,然后就商业银行应该如何进行应对提出若干建议。
The development of Internet finance has caused tremendous impact and challenge to commercial banks in our country. Under the era of Internet finance, commercial banks must make the necessary preparations in time to ensure the healthy and stable development of banks. This article gives a brief overview of the impacts and challenges of Internet finance on commercial banks, and then puts forward some suggestions on how commercial banks should respond.