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互联网的发展正在对人类社会产生越来越深刻的影响。在中国,传统金融模式难以满足互联网新生态的要求,为互联网金融的发展留下了巨大的空间。互联网金融的提升,最有可能实现的突破可能在于:一是致力于打破现有的金融分割,打造超级互联网金融平台;二是打造真正的网上银行,打破网上金融(特别是收付清算)对线下金融的过度依赖;三是要建立灵活便捷的搜索引擎;四是要形成相对独立的网上支付清算体系,并提供必要的中介服务,等等。
The development of the Internet is having an increasingly profound impact on human society. In China, the traditional financial model can hardly meet the requirements of the new ecology of the Internet, leaving a huge space for the development of Internet finance. The most likely breakthroughs in Internet finance may lie in: one is to break the existing financial segmentation and create a super-Internet financial platform; the other is to create a true online banking and break down the online banking (especially payment and settlement) Offline financial over-reliance; third is to establish a flexible and convenient search engine; fourth is to form a relatively independent online payment and settlement system, and provide the necessary intermediary services, and so on.