电商经济对传统银行业务模式的冲击与银行发展研究

Research on the Impact of E-Commerce Economy on the Traditional Banking Business Model and the Transformation Path of Banks

摘要: 本论文聚焦于电商经济蓬勃兴起背景下，传统银行业务模式所遭受的冲击以及相应的转型路径探寻。通过深入分析电商经济的特点与发展趋势，剖析其对传统银行支付结算、信贷业务、理财服务等多方面业务冲击的表现，进而结合理论与实践，提出传统银行在业务创新、战略合作、风险管理等方面切实可行的转型策略，旨在为传统金融机构在数字化时代实现可持续发展提供有益参考。

Abstract: This thesis focuses on the impact of the booming e-commerce economy on the traditional banking business model and the exploration of transformation paths. Through an in-depth analysis of the characteristics and development trends of the e-commerce economy, it examines the impact on various traditional banking businesses such as payment settlement, credit business, and wealth management services. Then, combining theory with practice, it proposes practical transformation strategies for traditional banks in business innovation, strategic cooperation, risk management, etc., aiming to provide valuable references for traditional financial institutions to achieve sustainable development in the digital era.