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互联网金融是以互联网和信息技术处理银行业务,是对实体金融服务活动运作模式、市场及流程上的巨大创新,互联网金融引发的技术脱媒、渠道脱媒、客户关系脱媒,正在逐步削弱传统金融中介功能,颠覆传统金融业的利润来源模式和资本经营模式,极大影响了银行的盈利生存空间,本文重点研究阐述了互联网金融对传统金融业的影响及对策。
Internet finance is the Internet and information technology to deal with banking business. It is a great innovation in the operation mode of entity financial services, great innovation in market and process, technology disintermediation caused by Internet finance, channel disintermediation and customer relationship disintermediation, and is gradually weakening the traditional The functions of financial intermediaries, subversion of the profit source mode and capital management mode of the traditional financial industry have greatly affected the bank’s profitability living space. This article focuses on the study of the impact of Internet finance on the traditional financial industry and its countermeasures.