商业银行的经营转型问题研究——基于互联网金融背景
Research on the Business Transformation of Commercial Banks—Based on the Internet Financial Background

互联网金融监管机制进一步完善，互联网金融门槛已经收紧，如今正是商业银行紧追互联网上其他金融机构的好时机，因此找到银行正确的经营方向是现在商业银行发展的核心。互联网带来的是商业银行在竞争主体上的改变，在客户需求上的改变以及交易方式的改变和银行内部岗位需求的改变，因此商业银行应当将自身特点与互联网金融的优势充分结合。本文主要的研究内容就是对于商业银行应如何变化才能将线上业务与线下网点进行充分融合并使他们能够相辅相成。其次还要将商业银行这么多年以来沉淀的优秀的监管系统、结算系统等推广到互联网其他金融机构中去，使商业银行与互联网金融实现和谐相处。
The supervision mechanism of Internet finance has been further improved, and the threshold of Internet finance has been tightened. Now is a good time for commercial banks to catch up with other financial institutions on the Internet. Therefore, finding the correct business direction of banks is the core of the development of commercial banks. What the Internet brings is the change of commercial banks in the main body of competition, the change of customer demand, the change of transaction mode and the change of internal post demand of banks. Therefore, commercial banks should fully combine their own characteristics with the advantages of Internet finance. The main research content of this article is to explore how commercial banks can fully integrate online business with offline branches and enable them to complement each other. Secondly, we should promote the excellent regulatory system and settlement system that commercial banks have accumulated over the years to other financial institutions on the Internet, so that commercial banks and Internet finance can live in harmony.