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近些年来,随着互联网的广泛普及和发展,网上消费、网络信贷以及网络财富管理等新兴互联网金融业态不断增多,其衍生出的众多新型产品对传统金融领域带来了深刻影响。对于商业银行来说,如何进行自我调整和创新,尽可能减少互联网金融所带来的负面影响,使其不断和时代发展潮流相一致,就需要对互联网金融进行全面彻底分析,把握其特点,进而采取有效的应对对策。
In recent years, with the widespread popularization and development of the Internet, the emerging Internet finance formats such as online consumption, online credit and online wealth management have been on the rise. Many new products derived from it have had a profound impact on the traditional financial sector. For commercial banks, how to self-adjust and innovate to minimize the negative impact of Internet finance so that they are consistent with the trend of the times, we need to conduct a comprehensive and thorough analysis of Internet finance to grasp its characteristics, and thus Take effective countermeasures.