论文部分内容阅读
2013年,互联网金融历程发生了喷薄式的前进,各种各样的互联网金融模式应运而生,如网络借贷、众筹融资平台等等,并随着互联网思维的盛行而产生了更多的创新金融模式。互联网金融给人们带来了巨大的便利的同时,也使得传统商业银行近年遭受到不小的冲击。不过商业银行在其金融领域的专业性及其资本基础等方面优于互联网金融,商业银行可利用其有效优势来抵挡互联网带来的影响与冲击。本文主要阐述互联网金融对于商业银行的影响,分析互联网金融带来的启示,并提供可采取的策略。
In 2013, the financial history of the Internet took a gushing pace with the advent of a variety of Internet financial models, such as online lending, crowdfunding platforms, etc., and more innovation with the prevalence of Internet thinking Financial model. Internet finance has brought tremendous convenience to people, meanwhile, it has also caused traditional commercial banks to suffer a great impact in recent years. However, commercial banks are superior to Internet finance in terms of their expertise in the financial field and their capital base. Commercial banks can use their effective advantages to resist the impact and impact of the Internet. This article mainly expounds the impact of Internet finance on commercial banks, analyzes the enlightenment brought by Internet finance and provides some strategies to be taken.