Traditional Culture Encyclopedia - Traditional customs - The development of Internet finance has changed the traditional commercial bank's business philosophy
The development of Internet finance has changed the traditional commercial bank's business philosophy
Ant How to get money from your family ? > (a) the impact of Internet finance on the operation and management of commercial banks The development of Internet finance has changed the business philosophy of traditional commercial banks, promoting the bank to carry out business innovation, accelerating the pace of transformation and upgrading, absorbing and drawing on the advantages of Internet finance, and improving operational efficiency. From the point of view of the business content and operation effect provided by commercial banks quoting and innovating the Internet financial model, how to withdraw cash for chanting in the bank's daily capital payment and settlement, capital borrowing and lending, the provision of financial information services and risk dispersion and control and other functions of the implementation of the bank, there is a significant improvement and improvement, the breadth and depth of the financial information services have been extended, and improve the risk control ability. Combined with the specific business content of commercial banks, first, the means of payment and settlement is more convenient, efficient and safe, the means of payment of Internet finance, such as scanning two-dimensional code, inter-account transfer methods, commercial banks have been used to innovate, effectively reducing the cost of capital and human input costs while improving efficiency, only need to be a simple operation in the terminal equipment can be realized in the funds of daily payment or inter-bank transfer, also free of charge. Simple operation on the terminal equipment is all that is needed to realize the daily payment or inter-bank transfer of funds, which also eliminates the process of accessing and depositing real money and improves the security of the transaction. Secondly, the utilization efficiency of funds borrowing and lending has been improved, the lending and borrowing innovation mode of commercial banks using Internet finance firstly provides lenders with a more convenient way of obtaining fee payments, and more importantly, more financial resources can be obtained, such as small and micro-enterprises and some individual customers, avoiding putting borrowing and lending funds only on high-value and large and medium-sized enterprises, which restricts the liquidity of borrowing and lending funds, and utilizing the big data of the Internet to comprehensively evaluate the customer's The use of the Internet big data, a comprehensive evaluation of the creditworthiness of the customer, to solve the problem of information asymmetry that existed between the bank and the customer in the past, so that the loan can be issued and recovered in a better way, effectively reducing the cost of allocation of resources, and the increase in the participation of the main body of the financial transaction also stimulates the vitality of the market. Thirdly, it enhances the financial information service capability of commercial banks. The application of Internet channels enables commercial banks to provide customers with a richer range of financial products and services, and to promote financial products while reducing operating costs. In addition, commercial banks use the Internet for marketing purposes, which requires the use of cloud computing technology and big data, and in the process of introducing and exchanging information with customers to reach transactions, a large amount of industry data and information is accumulated. The accumulation of a large amount of industry data and information, how to get cash for flowers puts technical requirements on the information storage and management capabilities of commercial banks, commercial banks' ability to interpret and analyze financial data related to the transaction has been improved through the exercise of the commercial banks can be found in the database of the deeper value of the information, is the intangible assets of commercial banks, the commercial banks of the data of the realization of the ability to enhance the financial industry data and information, and the ability of the commercial banks of the financial industry data and information. The ability to improve the financial industry data and information access to strengthen the function of commercial banks as financial intermediaries. Fourth, the market risk and control ability to enhance the innovative application of Internet financial management in the business of commercial banks, due to the wide range of customers oriented to participate in the threshold is low, reducing the cost of risk management of commercial banks at the same time dispersed financial risk. (ii) The impact of Internet finance on the scale of commercial banks The development of Internet finance also affects the scale expansion process of commercial banks, which in turn has an impact on the efficiency of commercial bank scale. strong> How to get cash for chanting
Third is the impact on the field of financial management, to the balance of the treasure, for example, the balance of the treasure since the release of the scale of the expansion, attracting a number of investors to participate in the "fragmentation of financial management" mode of operation has also brought great benefits to the customer, but for the commercial banks is the loss of deposit funds, the outflow of deposits reduces the necessary own The first step in the process is to make sure that you have the right tools for the job, and that you have the right tools for the job.
(C) the impact of Internet finance on the allocation of resources to commercial banks With the foreign financial market situation is different, China's commercial banks as a direct participation in the market economic activities of the main body of the long-term monopoly, the reason for this is that the national policy tilted and support, the state through the law and institutional provisions to establish the status of China's commercial banks as the main market, in terms of capital, resources, and administrative measures Give protection, China's commercial banks banks have the state's absolute credit support, although on the surface of China's commercial banks do not meet the typical sense of the definition of monopoly, because customers in the handling of business can choose the bank is still a lot of banks, it seems that the bank in the capital and resources to see and which bank is a monopoly or occupy an absolute advantage, in fact, our country's banking industry in the form of monopoly is not to the existence of a single business The first is that all the commercial banks have joined together as a whole to monopolize the banking industry in China under the control and policy guidance of the national government, and the real marketization has not been realized; the second is that the development of banking financial services relies on certain financial expertise and technical operations, and there is a certain threshold of access to the market, and the market has a non-transparent, non-open and asymmetric information. and information asymmetry.
Occupying a favorable position in the market makes it easy for commercial banks to obtain high profits, and the lack of a competitive environment brings about a decline in the operational efficiency of the bank, the poor management practices can not be changed, the management model is solidified, the bank consumes the social cost of the gradual increase of inputs and outputs and the inefficiency of resource allocation is not conducive to the long-term development of the banking industry at the same time, the more deep-rooted obstacles to the national economy. Deeper impediments to the improvement of the level of national economic development. The first thing you need to do is to get your hands on some of the most popular products and services in the world, and then you can get your hands on some of the most popular products and services in the world, and then you can get your hands on some of the most popular products and services in the world.
Secondly, the internet finance has eliminated the information asymmetry, in the background of the internet finance, the information of the two sides of the capital transaction is in the network platform to obtain and match, each other can communicate with each other, the two sides of the information have a comprehensive and detailed understanding, with the help of the e-commerce platform to make the borrowing funds in the effective supervision and control, the information of the transparency reduces the cost of financing and borrowing risk, and the traditional Commercial banks due to the lack of necessary information media, the customer's basic information and credit status of limited understanding of the state of information asymmetry prevails, so in order to prevent the occurrence of risk can only be realized through the overweight guarantee, inefficient and ineffective. The first thing that you need to do is to get your hands on some of the most popular products and services that you can find in the marketplace. , the supply and demand sides can directly match the transaction between the two sides, across the bank intermediary platform of this Internet financial transaction behavior is extremely effective, so the Internet finance to omit the intermediate links in a certain way to play the role of resource allocation. For traditional commercial banks, Internet finance is raging, from the perspective of long-term development, commercial banks must continue to learn and use the Internet financial innovation and development model, improve the means and methods of resource allocation, optimize the ratio of inputs and outputs, improve their own resource allocation efficiency, and enhance the ability of sustainable and healthy development.
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