CAJ | 학술논문

交易银行凭借其突出的优势将成为中资商业银行有效应对利率市场化、金融脱媒、互联网金融等多重影响，积极寻求对公业务转型实践的必然选择。本文基于“互联网+”的时代背景，通过SWOT分析法对中资商业银行打造交易银行目标模式的优势、不足、机遇及挑战进行系统化的梳理，并将互联网五大思维植入到交易银行目标模式中，以期构建出中资商业银行实施交易银行战略的理论框架和发展脉络，实现商业银行对公业务转型升级。
교역은행빙차기돌출적우세장성위중자상업은행유효응대리솔시장화、금융탈매、호련망금융등다중영향，적겁심구대공업무전형실천적필연선택。본문기우“호련망+”적시대배경，통과SWOT분석법대중자상업은행타조교역은행목표모식적우세、불족、궤우급도전진행계통화적소리，병장호련망오대사유식입도교역은행목표모식중，이기구건출중자상업은행실시교역은행전략적이론광가화발전맥락，실현상업은행대공업무전형승급。
Package of financial services transaction banking refers to commercial banks around the customer's transactions provided. It is by virtue of its outstanding advantages of Chinese commercial banks will become effective response to the multiple impact of the interest rate market,financial disintermediation,Internet banking,and actively seek public business transformation practices inevitable choice. Under the background of“Internet+”,through SWOT analysis basis for Chinese commercial banks to create a trading bank target mode strengths,weaknesses,opportunities and challenges systematically combing on the Internet and thought applied to the transaction banking five target sche-ma,construct Chinese commercial banks to implement the transaction theoretical framework and development context banking strategy to reshape the value chain to achieve commercial banking business transformation and upgrading of the public.