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在当前新常态背景下,电子信息技术和互联网技术的普及,智能手机和3G/4G手机网络的推广,再加上人们生活水平和经济收入的提高,促成了二十一世纪短短的十年间催生了一个新产业,即“互联网金融”。可能很多人对这一新市场经济概念了解的不多,但是几乎每个人都与它频繁接触。比如大家在网购中常接触的第三方支付平台,还有一些虚拟性质的网络货币形式,均以其独特的运营模式,赢得了数以亿计网民的青睐。在不断改变人们传统货币支付习惯的同时,也给我国传统金融行业带来了空前的冲击、挑战。对此,笔者结合着当今互联网金融、移动支付、网络货币等新金融服务模式的兴起、发展,探析其对传统货币支付模式的影响。
Under the current new normal background, the popularization of electronic information technology and Internet technology, the promotion of smart phones and 3G / 4G mobile phone networks, together with the improvement of people’s living standard and economic income, have contributed to the short span of ten years in the 21st century Gave birth to a new industry, that is, “Internet Finance ”. Many people may not know much about the concept of a new market economy, but almost everyone is in frequent contact with it. For example, everybody in the online shopping often contact the third-party payment platform, there are some virtual nature of the network currency form, with its unique mode of operation, has won hundreds of millions of Internet users of all ages. While constantly changing people’s traditional currency payment habits, it has also brought unprecedented challenges and challenges to China’s traditional financial industry. In this regard, the author combines the rise and development of new financial service modes such as internet finance, mobile payment and internet currency, and analyzes the impact on the traditional monetary payment modes.