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人类已经进入了互联网时代,互联网使得我们日常的生产生活、甚至是思维方法都产生了堪称翻天覆地的变化。在这种情况下,传统金融的运作模式受其影响并导致新的金融形态的萌芽似乎是一件顺理成章的事情。本文先就互联网金融这一概念作了一个简单的介绍,在此基础上,通过支付宝等典型的互联网金融产品简要地阐述了互联网金融对商业银行的地位业务的影响。虽然互联网金融给我们的生活带来了诸多改善,但是它的建设也是一个长期的过程,风险与机遇并存,文章的最后就互联网金融现存的一些问题提供了一些发展性建议。
Mankind has entered the Internet era, the Internet makes our daily production and living, and even thinking methods have produced earth-shaking changes. Under such circumstances, it seems logical that the traditional mode of operation of finance is affected and the sprouting of new forms of finance appears to be a logical one. This article first introduces the concept of internet finance briefly, on this basis, through a typical Internet financial products such as Alipay, briefly illustrates the impact of internet finance on the status of commercial banks. Although Internet finance has brought many improvements to our life, its construction is also a long-term process. The risks and opportunities coexist. Finally, the article provides some development suggestions on some problems existing in Internet finance.