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面对互联网金融冲击带来的存款“搬家”现象,上海农商银行一方面全面布局、丰富互联网金融产品线,另一方面运用互联网思维重点打造社区金融互联网金融以开放、共享和更加注重客户体验、贴近大众等特点,正逐渐赢得市场的青睐。以余额宝为代表的平民理财分流了大量的银行活期存款,这在传统银行业内引起了不小的震动。全面布局:丰富互联网金融产品线互联网金融的迅猛发展对传统银行业,包括农村中小金融机构的冲击非常明显。据上海农商银行测算,2013年下半年因余额宝上线导致其客户向支付宝转账金额大约为1.1亿元。
In the face of the phenomenon of “moving” caused by the impact of the Internet financial crisis, SRCB, on the one hand, has laid out a comprehensive layout that enriches the Internet financial product line; on the other hand, it uses Internet thinking to focus on creating community financial Internet finance to be open, shared and more focused Customer experience, close to the public and other characteristics, is gradually winning the favor of the market. Civilian-owned finance represented by Yu E-Bao diverted a large amount of current-account deposits, which caused quite a stir in the traditional banking industry. Comprehensive Layout: Enriching the Internet Financial Product Line The rapid development of internet finance has made a significant impact on the traditional banking industry, including small and medium-sized financial institutions in rural areas. According to Shanghai Rural Commercial Bank estimates, the second half of 2013 due to the remaining amount of treasure on the line led to Alipay customers transfer the amount of about 110 million yuan.