银行目前被互联网取代的业务,都是确定性的业务,就像淘宝取代的都是支付业务。现在很多人在谈互联网金融。首先我们得明白金融是做什么的,它就是解决风险处置、不确定性问题。互联网能处置不确定性问题吗?互联网取代了金融的确定性吗?其实互联网也就是取代了你在支付和交易之间的部分,但是它凸显了金融的核心重要性,就是怎么定价。因为定价问题是人的偏好问题,一定是人跟人之间才能确定价格。至少到目前为止,互联网还做不到, Banks are replaced by the Internet business, are deterministic business, just as Taobao replaced payment business. Now a lot of people talk about Internet finance. First of all, we have to understand what finance is doing. It is to solve the problem of risk disposal and uncertainty. Can the Internet address the issue of uncertainty? Has Internet replaced financial certainty? In fact, the Internet has replaced parts of your payments and transactions, but it highlights the central importance of finance and how it is priced. Because pricing is a matter of preference, it must be between people and people to determine the price. At least so far, the Internet can not do that,