在商品零售、报刊传媒、电信还没有从互联网的冲击中缓过神来的时候,传统金融业俨然已经成为了新的战场从某种程度上讲,自第一家互联网公司诞生到现在,其基本盈利模式并没有太大变化:会员制、广告投放、高级服务收费。但在互联网行业领域之外,情况就大为不同了。互联网正在挑战甚至颠覆许多传统行业的商业模式,从商品零售到报刊传媒,再到电信服务。而现在,财大气粗的金融业也不能幸免。上世纪末,比尔·盖茨预言,商业银 The traditional financial industry has become a new battlefield when it comes to the retail of commodities, the media and the telecommunications industry, and the telecommunications industry has not been able to ease the impact of the Internet. To some extent, since the birth of the first Internet company to the present, its The basic profit model did not change much: membership, advertising, senior service charges. But outside of the Internet industry, the situation is vastly different. The Internet is challenging or even subverting the business models of many traditional industries, from the retail of goods to the press and media to telecommunications services. Now, wealthy financial industry can not be spared. By the end of last century, Bill Gates predicted that commercial silver