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近几年,传统金融系统已通过现代信息技术完成了金融互联网化升级改造,尤其是商业银行利用互联网技术,实现了支付、结算、销售渠道等核心业务的互联化,在成本降低、效率改进、便利性等方面有了大幅提升和改善。以大数据、云计算、搜索引擎、社交网络等为代表的现代信息技术,构成了互联网金融的核心技术,形成互联网金融独特的经营模式和价值创造方式,大有构建“第三金融生态系统”之势。因二者在构建理念和运行逻辑
In recent years, the traditional financial system has completed the upgrade of the financial Internet through modern information technology. In particular, commercial banks have made use of Internet technologies to realize the interconnection of core businesses such as payment, settlement and sales channels. With the cost reduction, efficiency improvement, Convenience and other aspects of a substantial increase and improvement. Modern information technologies represented by big data, cloud computing, search engines and social networks constitute the core technology of Internet finance, forming a unique business model and value creation mode of Internet finance. They have built “the third financial ecosystem ”Trend. Because both are building ideas and operational logic