摘要
经济的不断下行导致商业银行陷入"内忧外患",一方面,发展理念固化、市场反应速度慢、风险不断叠加、利润空间收窄;另一方面,面临互联网金融企业等新型金融组织的激烈竞争。普惠金融为商业银行解决"内忧外患"提供新的发展理念、业务渠道和盈利模式,但也面临合规性和创新性、"高姿态"和"低身段"、盈利性和社会性等融合难题。随着政策红利的纷纷落地和互联网技术的不断进步,商业银行发展普惠金融必须且可行。为打造普惠型商业银行,实现转型升级,商业银行必须改变发展理念、找准自身定位、加强产品和服务创新、完善风险管理体系、提升市场反应速度、与互联网金融跨界融合、构建人才支撑发展新模式,同时,勇担社会责任,真正做到"普惠"金融,推动国家普惠金融发展战略落到实处。
Economic downturn has led commercial banks to internal turmoil and external threat.On and one hand, shrinking commercial banks suffer from inherency concept, slow market response, increased risk profit margins; on the other hand, face fierce competition from new- type financial organizations like on-line finance. Inclusive finance provides a new concept of development, business channels and profit model to solve the internal and external troubles. Meanwhile, it encounters integration problems between compliance and innovation, ＂high-profile＂ and ＂low- posture＂, and realize transformation and upgrading, accurate orientation, innovate products and commercial banks should change concept of development, service, improve risk management system, speed-up market response, integrate with online finance, build new model based on talent support and shoulder social responsibility in order to achieve the point of inclusive principle and push the implementation of the strategy.
出处
《天津商务职业学院学报》
2016年第5期5-11,19,共8页
Journal of Tianjin College of Commerce
关键词
商业银行
普惠金融
转型升级
commercial bank
inclusive finance
transforming and upgrading
