传统银行与互联网金融的融合是必然的,出路在于以互联网思维加快具有竞争力的产品和服务模式创新自去年开始,余额宝与其他互联网投融资产品在金融市场掀起了一轮又一轮热潮,有人追捧,有人批判,风起云涌。短期来看,互联网金融产品吸收的资金总量还无法与银行存款总额相抗衡,但它们的增长速度相当惊人。在这种市场格局下,传统银行业特別是农村中小金融机构着实感到竞争压力倍 The combination of traditional banking and Internet finance is inevitable. The way out lies in accelerating the competitive product and service innovation based on Internet thinking. Since last year, Yu’ebao and other Internet investment and financing products have launched a series of ups and downs in the financial market. Some people sought after, someone criticized, surging. In the short term, the total amount of money absorbed by financial products on the Internet can not compete with the total amount of bank deposits, but their growth rate is quite alarming. In this market structure, the traditional banking industry, especially rural small and medium financial institutions really feel competitive pressure times