互联网经济内涵丰富,它既包括互联网软件、硬件产业的发展将带来的新的投资、就业和产出,也包括运用各种互联网技术重组生产、流通所产生的附加值,还包括通过互联网传播引导信息消费、商品消费等其他消费。互联网金融浪潮之下,传统的商业银行存款增速大幅下滑,负债成本急剧上升,既有的体系和考核机制都在发生着悄然改变,而与此同时,“宝宝”类产品、P2P网贷等理财业务正在悄 The Internet economy is rich in content. It includes not only the new investment, employment and output brought by the development of Internet software and hardware industries, but also the added value brought by the reorganization of production and circulation by various Internet technologies. The Internet economy also includes the Internet Guide the consumption of information, consumer goods and other consumption. Under the wave of Internet finance, the deposit growth rate of traditional commercial banks has dropped sharply, the cost of liabilities has risen sharply, and the existing systems and assessment mechanisms have undergone a quiet change. At the same time, “baby” products and P2P networks Credit and other wealth management business is quiet