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随着互联网技术与互联网思维的不断发展,互联网金融业在过去的几年内,实现了井喷式的增长,互联网金融以方便,快捷,准确的理念为主导,充分的利用了云计算与大数据,高速,零距离的实现了用户匹配,达到了资源优化配置的效果。以更加主动的营销方式,向更加广泛的客户群体展示了这个新兴行业的独特魅力。互联网金融的发展加速了利率市场化与金融脱媒的进程,给传统银行业的盈利模式,经营模式以及服务模式带来了巨大的冲击。本文将就互联网金融相对于传统银行业的特征及其给传统银行业带来的压力与冲击做出分析,就此进一步解读传统银行业应对冲击所进行的转型,并针对变革的方法提出相应的建议。
With the continuous development of Internet technology and Internet thinking, the Internet finance industry has achieved a blow-up growth in the past few years. The Internet finance is dominated by the concept of convenience, speediness and accuracy, making full use of cloud computing and big data, High-speed, zero distance to achieve the user match, to optimize the allocation of resources results. A more active marketing approach to the broader customer base demonstrates the unique charm of this emerging industry. The development of internet finance has accelerated the marketization of interest rates and the process of financial disintermediation, which has brought tremendous impact on the profitability, business model and service mode of traditional banking. This article will analyze the characteristics of Internet finance relative to the traditional banking industry and the pressure and impact it has on the traditional banking industry. Based on this, we will further interpret the transformation of the traditional banking industry in response to the shocks and make corresponding suggestions on the reform methods .