论文部分内容阅读
随着“互联网+金融”时代的来临,在互联网金融的驱动下,支付模式迅速发展,并逐渐演变创新,全新的支付方式席卷人们的生活。2013年,阿里巴巴与天弘基金合作,余额宝横空出世,并成为货币基金业的神话;2014年初,腾讯旗下的微信不甘示弱,“微信红包”缓缓拉开移动支付变革传统的序幕;苏宁、京东等传统电商亦尾随其后,纷纷来第三方支付领域抢一杯羹。由此,研究如何应对互联网金融的挑战对商业银行来说势在必行。
With the advent of “Internet + Finance ” era, under the driving of Internet finance, the payment mode has developed rapidly and evolved and evolved. The new payment method has swept people’s lives. In 2013, Alibaba cooperated with Celestica Foundation and Yu Bao Bao turned out to be the myth of the monetary fund industry. In early 2014, WeChat’s WeChat account was outdone, and “WeChat Red Packet” slowly opened up the mobile payment reform tradition Prelude; Suning, Jingdong and other traditional e-commerce also followed, have to grab a piece of the field of third-party payment. Therefore, studying how to deal with the challenge of Internet finance is imperative for commercial banks.