互联网金融时代商业银行的创新发展

互联网金融正以第三方支付、大数据金融、P2P网络信贷、众筹融资等寡头垄断发展模式与传统商业银行形成错位竞争的格局。这种错位竞争对商业银行传统经营发展产生深刻变革。商业银行需在网络金融载体构建、大数据产品整合、财富管理动力创新、信用可获得性探索等方面加强创新应对，提升新形势下的可持续发展能力。

Innovative Development of Commercial Banks in the Internet Financial Background

The internet financing, with its rapid development of the third party payment, major financial data, P2P network credit and crowd funding, is bringing a complementary competition and changes to traditional commercial banks. In order to deal with the profound changes and enhance the ability of sustainable development under the new situation, commercial hanks should take appropriate measures to establish the new network carrier, integrate the major financial data, innovate the wealth management power and obtain the new credit availability.