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随着网络经济的快速崛起,互联网金融逐渐走进了人们的生活,给企业和公众的融资理财提供了更丰富的选择,传统银行依靠存贷差“坐等获利”的局面从此一去不复返。互联网金融的出现,使得传统银行面临着前所未有的竞争压力,无论是存贷款业务,还是支付中介业务,都遭到了互联网金融的不断蚕食。鉴于此,本文分析了互联网金融对传统银行的影响,并提出了互联网金融背景下传统银行的创新策略,以期促进传统银行的改革和发展。
With the rapid rise of internet economy, internet finance has gradually entered into people’s lives and provided a wealth of choices for enterprises and the public to finance and manage their own wealth. Traditional banks rely on deposit and loan differences and “wait for profits” Not to return. With the advent of Internet finance, the traditional banks are faced with unprecedented competitive pressure. Both deposits and loans and intermediary services have been continuously eroded by Internet finance. In view of this, this paper analyzes the impact of Internet finance on traditional banks and puts forward the innovation strategy of traditional banks under the background of Internet finance in order to promote the reform and development of traditional banks.