CAJ | 학술논문

商业模式在企业生存发展中至关重要，研究表明，有49%的企业因为选择了错误的商业模式而致使创业失败。商业银行作为金融企业，同样面临商业模式的选择。银行未来选择什么样的商业模式，主要考量金融改革深入化、技术发展成熟化、客户需求多样化、竞争环境复杂化等基本因素。当今，互联网金融的快速发展，改变了商业银行商业模式的存在基础，科学分析决定银行商业模式变化的基本因素，准确判断未来银行商业模式变化趋势，进而尽早进行战略决策，对于商业银行在新的形势下增强竞争力，保持可持续发展有十分重要的意义。
상업모식재기업생존발전중지관중요，연구표명，유49%적기업인위선택료착오적상업모식이치사창업실패。상업은행작위금융기업，동양면림상업모식적선택。은행미래선택십요양적상업모식，주요고량금융개혁심입화、기술발전성숙화、객호수구다양화、경쟁배경복잡화등기본인소。당금，호련망금융적쾌속발전，개변료상업은행상업모식적존재기출，과학분석결정은행상업모식변화적기본인소，준학판단미래은행상업모식변화추세，진이진조진행전략결책，대우상업은행재신적형세하증강경쟁력，보지가지속발전유십분중요적의의。
To choose a suitable bu siness mode is vital for an enterprise's development. Researches show that as many as 49%enterprises failed in their start-up due to choosing an unsuitable mode. It is the same with commercial banks. Which business mode to choose depends on such basic elements as the deepening of financial reform, the maturation of technological development, the diversification of customer demand and the complication of competition environment. Facing the rapid growth of the Internet finance, commercial banks have to make scientific analysis of the factors causing changes and make reasonable judgments of the changing trend. Strategic decisions in advance are vital importance for enterprises to enhance their competitiveness and to keep sustainable development.