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比尔·盖茨说,如果传统银行不改变自己,那么银行将成为21世纪的恐龙。马云说,如果银行不改变,我们就改变银行。随着互联网技术的发展,互联网金融发展异常迅速。特别是马年伊始,马云的“余额宝”创下了9个月募集4000亿元基金的奇迹,马化腾的“微信支付”则轻松笼络用户3.55亿户,互联网界的“两马”在互联网金融上的不俗成绩,给中国银行业来了个下马威,着实让“高大上”的银行感到互联网金融发展的巨大威力,被倒逼着加快金融创新。对于邮储银行而言,目前面临的挑战远大于机遇。笔者认为,邮储银行唯有借鉴互联网金融创新经验,
Bill Gates said that if the traditional bank does not change itself, then the bank will become the 21st century dinosaurs. Ma said that if the bank does not change, we change the bank. With the development of Internet technology, the development of Internet finance is extremely rapid. Especially at the beginning of the Year of the Horse, Ma Yun’s “Yu Bao Po” set a miracle of raising 400 billion yuan of funds in 9 months. Ma’s “WeChat Payment” easily covers 355 million users and the Internet community. “The impressive financial performance on the Internet has given China’s banking industry a disappointment. Indeed, banks that feel” overjoyed "feel the tremendous power of Internet finance and are forced to accelerate financial innovation. For the Postal Savings Bank, the current challenges far outweigh the opportunities. The author believes that the Postal Savings Bank only draw on Internet finance innovation experience,