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随着以网络技术与信息化技术为代表的知识经济时代的到来,互联网技术的蓬勃发展为传统行业发展注入新的活力,诸多传统行业搭乘互联网+的东风而开始急速扩张。金融产业也同样受到互联网技术发展的冲击,以技术为核心的现代信息技术塑造,使互联网金融从产品创新到模式优化,再到格局整合,先进技术对传统金融产业的影响越发深入。本文通过对互联网技术对金融产业的影响进行阐述,进而对互联网金融发展的前景与风险进行分析,以期使互联网技术、移动通信技术等现代电子技术促进金融产业的良性、可持续发展。
With the advent of a knowledge-based economy represented by network technology and information technology, the vigorous development of Internet technology has injected new vitality into the development of traditional industries. Many traditional industries started to expand rapidly with the advent of the Internet. The financial industry is also impacted by the development of Internet technology. The shaping of modern information technology with technology as the core makes Internet finance from product innovation to pattern optimization and pattern integration. The influence of advanced technology on the traditional financial industry will deepen. This paper elaborates the impact of Internet technology on the financial industry, and then analyzes the prospects and risks of Internet finance development in order to make the modern electronic technology such as Internet technology and mobile communication technology promote the benign and sustainable development of the financial industry.