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网络信息技术和通信技术的快速发展给金融服务模式带来了巨大的变革。近年来,支付服务市场的分工不断细化,非金融机构逐步加入金融服务提供者的行列。在这股风潮当中,一些互联网金融产品快速占领市场,这些金融产品突破了银行信用的限制,受到了中小企业及个人用户的欢迎,其中余额宝、财付通等成为了佼佼者。以余额宝为例,余额宝在中国大行其道,以P2P网贷等借助互联网、移动互联网技术的网络信贷平台来开展各种金融服务,如网络贷款、网络理财等,极受推崇,目前正呈现爆发性的增长态势。甚至有人认为,互联网金融开辟了新的金融模式,互联网金融目前也从内部倒逼着商业银行改革。
The rapid development of network information technology and communication technology has brought great changes to the financial service model. In recent years, the division of labor in the payment service market has been continuously refined, and non-financial institutions have gradually joined the ranks of financial service providers. In this trend, some Internet financial products quickly occupied the market. These financial products broke the credit limit of banks and were welcomed by small and medium-sized enterprises and individual users. Among them, YuBaoBao and TenPay became the outstanding ones. Taking Yuen Po as an example, Yu-Po has become very popular in China. He is highly respected for providing various financial services such as internet loans and Internet banking with the help of P2P internet loans and other internet platforms. Sexual growth. Some people even think that Internet finance has opened up a new financial model, and Internet finance has now forced commercial bank reform internally.