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伴随着互联网金融如火如荼的发展,围绕互联网与金融业的关系以及金融业未来发展趋势的探讨也日益深入。事实上,金融业本身具有IT属性,历史上每一次信息技术的变革,都会带来金融行业的变革,而互联网对传统银行业态的改变,从本质上讲,就是金融的充分信息化,使得银行通过信息不对称获取利润变得越来越困难。这要求商业银行变革信息经营模式,打破信息壁垒,提升信息服务的能力,借助互联网创新赢得转型发展的先机。
With the development of Internet finance in full swing, the discussions on the relationship between the Internet and the financial industry and the future development trend of the financial industry have also deepened. In fact, the financial industry itself has IT attributes. Every change in information technology in history will bring about changes in the financial industry. The changes made by the Internet to the traditional banking industry are, in essence, sufficient financial information, Getting information through asymmetric information becomes more and more difficult. This requires commercial banks to change the mode of operation of information, break the barrier of information, enhance the capability of information service, and win the transformation and development opportunities with the help of Internet innovation.