摘要
2013年被称作中国互联网金融元年,自此随着各类网络金融服务的诞生,极大的占据了传统金融业务的市场,曾经以存贷利差为利润主要来源的商业银行也面临吸储难的困境。然而,互联网金融本质上应是传统金融的延伸和拓展,传统金融依靠互联网的新兴技术手段也可更好的为传统业务提供数据支持,两者合作更是促进中国利率市场化的形成。文中着手于互联网金融与传统金融各自的优势、缺陷与其互补,分析两者合作的有利环境,并对传统商业银行及新兴互联网金融的发展趋势提出建议和展望。
In 2013,it was called the first year of China's Internet finance.Since then,with the emergence of various types of online financial services,it has largely occupied the market of traditional financial services.Commercial banks that once used the interest margin on deposits and loans as the main source of profit also faced difficulties in attracting reserves.However,Internet finance should in essence be an extension and expansion of traditional finance,and traditional finance can rely on the Internet's emerging technology to better provide data support for traditional businesses.The cooperation between the two is to promote the formation of interest rate liberalization in China.This article starts with the advantages and disadvantages of Internet finance and traditional finance,complements them,analyzes the favorable environment for cooperation,and puts forward suggestions and prospects for the development trends of traditional commercial banks and emerging Internet finance.
作者
王青青
朱倍佳
WANG Qing-qing;ZHU Bei-jia(Business School,University of Shanghai for Science and Technology,Shanghai 200093,China)
出处
《物流工程与管理》
2020年第4期163-164,92,共3页
Logistics Engineering and Management
关键词
互联网金融
传统金融
商业银行转型
internet finance
traditional finance
the transformation of commercial banks
