Briefly describe the characteristics of the new economic era and the impact of the new economic era on commercial banks.

Answer:(1) The characteristics of the new economic era are mainly as follows:

①The dominant resource and factor of production in the economy is not capital, nor land or general labor, but knowledge-advanced science and technology, management methods and valuable information. What distinguishes the new economy from the traditional economy is that science and technology play a decisive role in economic development.

②Emphasize economic efficiency rather than simply pursuing output value. From the practice of domestic and foreign point of view, the output value can not bring direct profits, and make full use of information technology, can reduce unnecessary intermediate links, to avoid circuitous transportation, ineffective labor, etc., in the case of the output value does not necessarily increase the economic efficiency but can have a big increase. This is the contribution of science to the economy, this is the new economic order to produce a great power.

③The improvement of economic efficiency mainly relies on technological innovation, on technology with intellectual property rights, and on the transformation of scientific and technological achievements into productive forces, rather than simply by increasing investment to expand the scale of production to obtain. The traditional industrial economy has been the tangible resources to the limit, the new economic growth point from the intangible resources. The large-scale application of computer technology and network technology has enabled us to find space for the utilization of intangible resources.

④Overall global characteristics. The global nature of the new economy is firstly manifested in the use of computer networks, the market operation activities of enterprises can be extended to any corner of the earth, and the spatial barriers caused by geographical distance no longer exist.

⑤The economy is polarized. On the one hand, enterprises are expanding their strengths and complementing each other's strengths and weaknesses through the "Great Merger", in order to strive for the largest possible access to information and scientific and technological space, and strong asset strength is a powerful guarantee for the expansion of scientific and technological space. On the other hand, a large number of small and medium-sized enterprises (SMEs) have mastered the latest technology and are still full of vitality.

(2) The impact of the new economic era on commercial banks mainly includes:

①Commercial bank operations should also be in line with the laws of economic operation in the new economic era. The arrival of the new economic era is not shifted by human will. It is the inevitable product of scientific and economic development to a certain stage. The characteristics of the new economy are very different from the traditional economy, how to adapt and soon utilize is the commercial banks need to face.

②The talent factor is crucial. Talent in the new economic era should not only have a general knowledge of the basics and financial business knowledge, but also should have an understanding of the latest developments in science and technology, able to keep track of the latest science and technology, and in the actual work to be utilized. Armed with scientific and technological knowledge of financial workers can make accurate business judgment in the ever-changing new economic era.

3 the use of science and technology, the speed of the bank's survival. Commercial banks are also a business unit in the economic field, and other business enterprises, in the new economic ecosystem is very important to be able to quickly use the new science and technology to seize the high ground.

④Increased riskiness. Enterprises face many market challenges: how to keep pace with technological advances, how to choose the right market entry point, how to adopt high technology and so on. For banks, the business risk of enterprises increases, and the credit risk of finance increases accordingly.