以互联网思维改革中小银行发展模式

摘要

互联网金融的迅速发展给银行业带来了巨大挑战。本文在阐述互联网金融、金融互联网区别的基础上，分析了互联网金融给中小银行带来的冲击、互联网金融的劣势，提出中小银行要正确面对互联网金融带来的挑战和机遇，更好地把握和应用互联网金融规则，以互联网思维改革传统发展模式，充分发挥自身的特长和优势，不断完善金融服务功能，从而在互联网金融领域占有一席之地。%The rapid development of internet finance brings a great challenge to banking industry. By elaborating the differences between internet finance and financial internet, the paper analyses the impact of internet finance on small and medium-sized banks and disadvantages of internet finance, claims that small and medium-sized banks should correctly face the challenges and opportunities which internet finance brings to them, grasp and apply the internet finance rules better, and reform the traditional development mode by internet thinking. They should make full use of their strengths and advantages to constantly improve their financial service function and then they can play roles in the field of internet finance.