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互联网科技与金融模式相结合的产物即为互联网金融,由于中国互联网金融发展迅速,已经引发了全世界的关注。在当前互联网金融发展框架下,要怎样协调传统金融行业和互联网金融之间的关系、商业银行和居民消费受互谅网金融的影响、如何常态化金融创新、互联网金融在中国经济发展新模式下何去何从等问题都需要不断的谈论和研究。我们需要用辩证的态度来讨论这种新型的金融模式,肯定其给人们带来的便捷性的同时,推动人们生活方式变更的同时,也要积极的考虑和防范在互联网金融发展过程中所存在的风险。
The product of the combination of Internet technology and financial models is Internet finance. As China’s Internet finance has developed rapidly, it has drawn the world’s attention. How to coordinate the relationship between the traditional financial industry and Internet finance in the current framework of Internet financial development? How to normalize financial innovation under the influence of mutual-benefit network finance between commercial banks and household consumption? Where should the Internet finance go under the new economic development mode in China? And other issues need constant talk and research. We need to use a dialectical attitude to discuss this new financial model, affirming the convenience it brings to people, and at the same time promoting changes in people’s lifestyles, we must also actively consider and prevent the existence of Internet finance in the process of development risks of.