近年来随着互联网技术的快速发展,以第三方支付、P2P网络借贷、电子银

行等为代表的互联网金融迅速崛起,不仅改变了人们的消费习惯,冲击商业银行

传统的经营模式,也催生了大量新金融服务需求,给商业银行带来巨大市场,当

前经济环境背景下,传统商业银行应该怎样抓住机遇,促进互联网金融业务发展,

走可持续化道路,十分值得研究。

中国银行作为我国商业银行的代表,已成功推出网上银行、手机银行、“网

络通宝”电商平台、网上银行信贷、“中银E社区”等互联网金融服务,并取得

了一定成效。但新形势下中国银行依然面临各种挑战,需要积极创新转型,大力

发展互联网金融业务。基于我国互联网金融发展的现状与趋势,本文利用SWTO

模型分析了中国银行互联网金融业务的优势、劣势、机遇与挑战,认为新形势下

中国银行思想文化、商业模式、公司、个人以及综合业务均面临挑战,但同时在

金融监管、风险控制、客户资源等方面面临新机遇,中国银行应该发挥自身优势,

利用好当前的时机,取长补短,完善其身,挑战自我,通过加强合作、流程再造、

重视客户体验、加强创新机制建设、加强数据整合、提高内部管理水平等措施积

极发展互联网金融业务,实现可持续发展。

关键词:互联网金融;业务模式;创新策略;中国银行

A STUDY ABOUT THE INNOVATION AND DEVELOPMENT

OF INTERNET FINANCIAL MODEL IN BOC

ABSTRACT

With the rapid development of internet technology in recent year, internet

finance, which represented by third party payment, P2P online lending and electronic

banking, suddenly appeared on the history. Internet finance which advancing rapidly,

is changing people's consumption habits and needs of financial services, which

impacting on commercial bank's traditional business model. It will also create a lot of

new financial service demand which will be a huge market space in the future. How

should commercial banks do to comply with the new situation It is worth

researching.

Bank of china (BOC) has successfully launched the Internet finance business,

such as online banking, electronic business, mobile banking platform of “Network

Torig Bao”,online loans and Community of BOC. Those forms of Internet finance

business have got a certain achievements. Under the new situation, however,BOC

still faces various challenges. So if BOC want develop internet banking business, it

needs to push on innovation and transformation actively. Based on the analyses of

current situation and development of the internet finance in china,this paper uses the

SWOT model to carry on research on its strengths, weakness, opportunities and

challenges when BOC developing the internet finance business. Through the analyses,

we reached the following conclusions. Under the new situation, on the one hand, the

ideology and culture,the business mode, company business, personal service and

integrated service of BOC face challenges; on the other hand, BOC has the

opportunities of financial regulation,risk management, customer resources and so on.

Therefore, BOC should make foil use of its advantages and opportunity, learn from

each other to improve itself, then take action such as strengthening cooperation,

process optimization, putting more focus on customer experience, improve innovate

mechanism construction, attaching more importance to innovation development,

strengthen the date integration and improving internet management level to develop

the internet finance business actively and finally achieved the sustainable

development.

KEY WORDS : Internet finance ; Business model ; innovate strategy ; BOC