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作为工业化与信息化融合和“市场化”改革的金融创新,网络金融已经是大势所趋、不可阻挡,给传统金融带来了巨大冲击,特别是“余额宝”正式上线后,更是给传统金融带来了“颠覆性”的冲击和影响。
As a financial innovation that integrates industrialization and informatization and “marketization ” reform, online finance has become an irresistible trend and has brought tremendous impact on traditional finance. Especially after the official launch of “Yu-Bao-Bao” To the traditional financial “disruptive ” impact and influence.