在利率市场化、准入限制放宽、经济换挡、互联网冲击的多种效应叠加之下,银行业面临大变局,这个时候技术基因是优势。一家动力十足的银行引入制动系统很容易,但传统银行想重获朝气勃勃的进取心和创新力,想在多变的环境中获得适应性太难了。至于股权和利益的问题,在一个拥有绝对优势的强势股东面前,也不是难题。回想一下,阿里在支付宝和天弘基金上不惜与其他股东反目,甚至冒着被指丧失契约精神的风险,也要 Under the superposition of various effects such as the liberalization of interest rates, the relaxation of access restrictions, the economic shift and the impact of the Internet, the banking industry is facing a major change. At this time, the technology gene is an advantage. It is easy for a dynamic bank to introduce a braking system. However, traditional banks want to regain their energies and innovations. It is too hard to be adaptable in a changing environment. As for the issue of equity and interest, it is not a problem before a strong shareholder with an absolute advantage. Recall, Ali Alipay and Celestica funds at the expense of other shareholders, even risking the spirit of the alleged loss of the contract, but also