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2014年IBM的全球最高管理层调研结果显示,C E O们认为,技术是塑造企业最重要的外部力量。现代信息与互联网技术的进步,特别是云计算、大数据、移动互联、社交网络的发展,深刻地变革、甚至颠覆了许多传统行业,金融业也不例外。近年来,许多基于互联网的金融服务模式应运而生,“互联网金融”(Internet Finance)也成为社会各界关注的焦点。2013年,中国网上银行交易额达1106万亿元,同比增长20%多,手机银行交易额达到12万亿元,增长248%,银行卡正日益发展成为综合服务平台。同时,银行业平均离柜业务率
According to IBM’s 2014 survey of the world’s top management, C E O believes technology is the most important external force shaping the business. The progress of modern information and Internet technologies, especially the development of cloud computing, big data, mobile Internet and social networks, has profoundly changed and even subverted many traditional industries. The financial industry is no exception. In recent years, many Internet-based financial service models emerged, and “Internet Finance” has also become the focus of attention of all sectors of society. In 2013, the online banking transactions in China reached 1106 trillion yuan, an increase of more than 20% over the same period of last year. The transaction volume of mobile banking reached 12 trillion yuan, an increase of 248%. Bank cards are increasingly being developed into comprehensive service platforms. At the same time, the banking average outbound business rate