论文部分内容阅读
互联网金融是由互联网向常规金融领域发展、融合而逐渐形成的包括资金融通、支付、投资和信息中介服务在内的新型金融业务模式。和传统的商业银行业务进行比较,互联网金融本身具备更鲜明的开放性、低成本、高效率等优势。这些优点共同决定了商业银行不得不面临互联网金融带来的严峻考验。面对各种挑战,商业银行必须在互联网金融环境中意识到自身存在的问题,进而采取更具针对性的解决措施。
Internet finance is a new form of financial business that includes the development and integration of the Internet into the conventional financial sector, including financial intermediation, payment, investment and information intermediary services. Compared with the traditional commercial banking business, the internet finance itself has the advantages of more obvious openness, low cost and high efficiency. These merits together determine the commercial banks have to face the severe test of Internet finance. In the face of various challenges, commercial banks must be aware of their own problems in the Internet financial environment and take more targeted solutions.