CAJ | 학술논문

本文对互联网金融发展的模式及优势进行了分析，指出互联网金融的普惠性、融合性、高效灵活，将弱化商业银行的中介作用，对商业银行的盈利模式等产生影响。对此，本文从培养互联网思维、“应用端+云服务”的模式、加强大数据应用等七个方面阐述了商业银行的变革之路。
본문대호련망금융발전적모식급우세진행료분석，지출호련망금융적보혜성、융합성、고효령활，장약화상업은행적중개작용，대상업은행적영리모식등산생영향。대차，본문종배양호련망사유、“응용단+운복무”적모식、가강대수거응용등칠개방면천술료상업은행적변혁지로。
This paper analyzes the pattern and advantages of Internet financial development, and points out that the universality,integration,high efficiency and flexibility of internet financial will weaken the commercial bank’s in-termediary role and thus impact commercial banks’profit model etc. This article puts forward commercial banks revo-lution methods from 7 aspects such as Internet thinking training,“application side+cloud service”mode building and big data application.