“互联网金融”自去年开始进入我们的眼帘以来,引发的话题和讨论不断。有人断言互联网金融将颠覆传统银行业,有人则称之为“搅局者”。面对这一由技术发展带来的金融领域变化的必然趋势,这些说法都是片面的,甚至带有一定的盲目性。从现实的情况来看,互联网金融并没有颠覆传统的银行业。反观阿里金融、第三方支付企业等推行“互联网金融”的表现,在许多方面都还需依附银行,比如第三方支付企业客户信息认证时,仍然要依靠银行的客户信息作为安全支付凭证。可以说,金 “Internet finance ” Since the beginning of last year into our eyes, triggered by the topic and discussion continuously. Someone asserted that internet finance will subvert the traditional banking sector while others call it “spoiler.” Faced with the inevitable trend of changes in the financial field brought about by technological development, these statements are unilateral and even blind. From a realistic point of view, Internet finance does not subvert the traditional banking sector. In contrast, Ali financial, third-party payment enterprises and other “Internet finance ” performance, in many ways still need to rely on banks, such as third-party payment enterprise customer information certification, still have to rely on the bank’s customer information as a secure payment certificate. It can be said that gold