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面对互联网金融猛烈的渠道冲击,银行“反击战”已经打响。互联网金融的加速发展正加剧商业银行的渠道性脱媒挑战。人民银行近日公布的《金融统计数据报告》显示,今年10月份,银行体系人民币存款减少4027亿元,同比多减1227亿元。更加值得关注的是,在财政性存款大幅增加6284亿元的情况下,住户存款流失严重,减少8967亿元。观察此种现象,原因何在?其中蕴藏的某种趋势,仁者见仁,智者见智。“互联网金融对银行的活期存款冲击巨大。”一位不愿具名的银行业人士
The face of fierce Internet channel financial impact, the bank “counter-attack ” has started. The accelerated development of Internet finance is exacerbating the challenge of channel disintermediation by commercial banks. The People’s Bank of China recently released the “Financial Statistics Report” shows that in October this year, the RMB deposit of the banking system decreased by 403.7 billion yuan, a decrease of 122.7 billion yuan year on year. Even more noteworthy is that with a sharp increase of 628.4 billion yuan in fiscal deposits, the loss of household deposits has been seriously reduced by 896.7 billion yuan. Observing this phenomenon, what are the reasons? Some of the hidden trends, benevolent Jen, wise see wisdom. “Internet finance has a huge impact on the demand deposits of banks. ” An unnamed banker