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互联网金融化是当前金融行业发展的新趋势,互联网金融业务与城市商业银行业务存在着较大程度的重叠,因此对城市商业银行支付业务、信贷业务以及理财业务等的开展提出了较大的挑战,城市商业银行需要发挥自身优势,与互联网平台实现完全对接,创新金融产品和金融服务,应对互联网金融化的不利局面。
Internet financialization is a new trend in the development of the financial industry. There is a large overlap between the Internet financial business and the urban commercial banking business, so it poses a great challenge to the development of the payment business, credit business and wealth management business of urban commercial banks , City commercial banks need to give full play to their own advantages and fully connect with the Internet platform to innovate financial products and financial services and deal with the unfavorable situation of Internet financialization.