CAJ | 학술논문

金融脱媒与利率市场化以及近两年互联网金融的快速崛起，对传统商业银行的经营模式产生了颠覆性影响。走以客户为中心、以创新为驱动的转型发展之路，是银行应对挑战的必然选择。零售业务由于其风险分散、收益稳定的特点，在未来银行的发展中将愈加重要，成为银行转型的主战场。应用互联网思维和大数据技术创新零售业务的商业模式、拓展零售业务新型收入来源、提升零售业务的综合贡献度和市场竞争能力，是转型发展的重要趋势，成为商业银行亟待研究的重要课题。
금융탈매여리솔시장화이급근량년호련망금융적쾌속굴기，대전통상업은행적경영모식산생료전복성영향。주이객호위중심、이창신위구동적전형발전지로，시은행응대도전적필연선택。령수업무유우기풍험분산、수익은정적특점，재미래은행적발전중장유가중요，성위은행전형적주전장。응용호련망사유화대수거기술창신령수업무적상업모식、탁전령수업무신형수입래원、제승령수업무적종합공헌도화시장경쟁능력，시전형발전적중요추세，성위상업은행극대연구적중요과제。
The financial disintermediation, interest rate liberalization and the rapid development of the internet finance in recent two years have a disruptive influence on the traditional business model of commercial banks. The transformation centered around cus-tomers and driven by innovations is the inevitable choice for banks to respond to the challenge. Due to the characteristics of the dis-persed risk and stable income, the retail business will become more important in the future development of banks and become a key battleground in the transformation of banks. Using the internet and big data technology to make innovations on the business mode of retail business, to expand the new-type income source of retail business and to rise the integrated contribution and market competition ability are the important transformation development trend, which becomes the important task for commercial banks to study.