CAJ | 학술논문

进入信息时代之后，互联网快速发展催生了诸多新兴产业，基于“互联网＋”模式的互联网金融给传统商业银行带来挑战。与此同时，面对互联网新需求，商业银行也暴露出很多问题。本文在分析传统商业银行面临的挑战与存在的问题的基础上，引入了“互联网＋”的理念，探讨传统商业银行发展互联网业务的可能路径，认为构建基于“大平云移”架构将会是未来商业银行触网的可行模式。
진입신식시대지후，호련망쾌속발전최생료제다신흥산업，기우“호련망＋”모식적호련망금융급전통상업은행대래도전。여차동시，면대호련망신수구，상업은행야폭로출흔다문제。본문재분석전통상업은행면림적도전여존재적문제적기출상，인입료“호련망＋”적이념，탐토전통상업은행발전호련망업무적가능로경，인위구건기우“대평운이”가구장회시미래상업은행촉망적가행모식。
After entering the Information Age, the rapid development of the Internet has given birth to many emerging industries. Especially under the impact of the “Internet+” mode, Internet finance has posed some challenges to traditional commercial banks. At the same time, facing new demands from Internet, commercial banks also demonstrate a lot of problems. Based on the analysis of challenges and problems of traditional commercial banks, we try to discuss possible development paths of the traditional commercial banks by introducing the “Internet +” concept, and bring out the “big data, platform strategy, cloud computing, mobile Internet” framework of the Internet as a viable model.