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对于传统的邮政金融而言,除了要直面看得见的竞争对手外,还要从客户的角度出发,以更为积极的心态来应对互联网金融这个“影子”杀手所带来的客户分流、资金流分散、经营收入下滑等一系列问题。2013年以来,以余额宝、百度理财、P2P网贷为代表的互联网金融迅速崛起。网络金融产品的不断丰富,对我国金融行业产生了深刻的影响,传统金融业新一轮的洗牌声正哗哗作响。传统金融在线、互联网企业开展的线上金融业务以及构建互联网金融生态圈,是目前互联网金融主要的三种服务形式,其对传统实体金融行业的影响主
For the traditional postal finance, in addition to facing the visible competitors, but also from a customer’s point of view, a more positive attitude to deal with the Internet finance this “Shadow ” killer caused by the customer diversion , The flow of funds flow, operating income decline and a series of issues. Since 2013, internet finance represented by YuBaoBao, Baidu Finance and P2P network loans has rapidly risen. The continuous enrichment of online financial products has had a profound impact on the financial industry in our country. A new round of reshuffling by the traditional financial industry is now making a loud noise. Traditional financial online, online financial business carried out by Internet companies and the construction of Internet financial ecosystem are the three major forms of Internet finance currently in service, and their impact on the traditional real financial industry