商业银行的下一站在哪?人们仿佛都相信横空出世的“Fintech”就是这个问题正确的解答。“目前我国商业银行在传统业务上已经到了天花板、又要面对息差利润收窄与不良贷款攀升的困境,此时Fintech所带来的全新增长点对于银行来说就已经不是锦上添花,而是必由之路了。”——中金在线。“‘互联网金融’这一名词已连续四年在政府工作报告中被提及,互联网技术的广泛深度应用早已上升到我国培育经济发展新引擎、推动经济升级转型的战略高度。当前,我国商业银行资产负债过于错配、金融杠杆明显偏高,传 Where is the Next Place for Commercial Banks? People seem to believe that Fintech is the correct answer to this question. ”At present, commercial banks in China have reached the ceiling in the traditional business, but also face the dilemma of narrowing profit margin and rising non-performing loans. At this time, the new growth point brought by Fintech is no longer good for banks Is the only way out. "- CICC Online. The term Internet finance has been mentioned in the government work report for four consecutive years. The extensive and profound application of Internet technology has already risen to a strategic height for cultivating a new engine for economic development in our country and promoting economic upgrading and transformation. At present, China’s commercial Assets and liabilities of banks are too mismatched, the financial leverage is obviously higher and higher