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近两年来大量非金融系互联网金融形态的迅速膨胀,对三百多年来银行传统的经营理念和经营模式带来了颠覆式的冲击和挑战。改造不可避免,转型突围将成为银行业“凤凰涅槃”的唯一出路。现代银行业以1694年英格兰银行的出现为标志,这三百多年几乎所有的行业都已经面目全非,然而银行业的基本制度和运营逻辑并无太大改变。20世纪60年代以来,大型计算机系统、以太网等技术相继开发应用,银行开始“触网”并因此大大提高了金融效率,在金融市场中一直履行着包括支付、融资、资源配置、价格发
The rapid expansion of a large number of non-financial departments in the past two years in the form of Internet finance has brought subversive impact and challenges on the traditional business philosophy and business model of the banking sector over the past three hundred years. Transformation is inevitable, transformation breakthrough will become the banking “Phoenix Nirvana ” the only way out. Modern banking was marked by the appearance of the Bank of England in 1694. Almost all of the industries in the past three hundred years have gone beyond recognition. However, the basic banking system and operational logic have not changed much. Since the 1960s, technologies such as large-size computer systems and Ethernet have been developed and applied one after another, and banks have begun to “touch the net” and thus greatly improve their financial efficiency. They have been implementing various financial services including payment, financing, resource allocation and pricing hair