中国网络金融的现状与发展趋势分析

Analysis on the Status and Development Trend of China's Network Banking

当前,金融互联网化的发展趋势越发明显,不少互联网企业借助自身信息数据优势广泛涉足金融领域,对传统商业银行业务经营形成了直接冲击,也对商业银行经营管理模式产生了深远影响。借鉴网络金融的国际经验,结合我国网络金融发展的实际,对网络金融的内涵进行解析,探讨中国未来发展网络金融的关键问题,为处于金融脱媒和利率市场化转型时期的我国银行业进行业务拓展和寻求利润增长提供新的思路。

At present, the development trend of finance is increasingly Internet -oriented; many Internet companieshave got extensively involved in financial sector with their own strengths of information and data, forming a direct im-pact on the traditional commercial banking business and a profound impact on the operation and management model ofcommercial banks. By learning from international experiences in network finance, combined with the actual financial development of network in China, the paper discusses the connotation of network finance and the key issues about howto develop China＇s network finance in the future, providing new ideas for expanding China＇ s banking business and seeking profit growth in the transformational era of financial disintermediation and interest rate liberalization.