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互联网金融是一种新的金融业态,不同于传统的直接融资和间接融资模式。互联网金融大大减轻了信息的不对称程度,降低了交易成本,提高了社会整体运行效率,实现了社会福利的帕累托改进。在互联网金融快速发展背景下,传统商业银行的信息中介和规模优势不再明显,互联网金融对传统商业银行的经营形成较大冲击。因此,为继续保持自身的竞争优势,商业银行在新的竞争环境下应制定科学的发展战略加以应对。
Internet finance is a new financial format, different from the traditional direct financing and indirect financing model. Internet finance has greatly alleviated the asymmetry of information, reduced the transaction costs, improved the overall social operating efficiency and realized the Pareto improvement of social welfare. With the rapid development of internet finance, the information intermediary and scale advantages of traditional commercial banks are no longer obvious. Internet finance has greatly impacted the operation of traditional commercial banks. Therefore, in order to continue to maintain its own competitive advantage, commercial banks should formulate a scientific development strategy to cope with the new competitive environment.