摘要
"互联网+金融"造就了业态丰富的互联网金融,凭借产品长尾化特征,突破了时间与空间限制,拓展了传统金融边界,并在创新动力、发展模式以及风险控制等方面形成独具特色的内在逻辑,促进传统金融与现代金融的融合。面对互联网金融的激烈竞争,零售银行不仅可以利用商业银行的传统经营模式有效规避其他互联网金融机构面临的风险,还可以借助互联网技术的支持发挥零售银行业务的多方面优势,扩大未来发展空间。
＂ Internet plus finance＂ created a variety of Internet Finance,it＇ s characteristic of long tail broke through the limit of time and space,expanded the traditional financial business,developed a unique internal logic among innovation power,development mode,risk management and other aspects,and promoted the integration of traditional finance and modern finance. In the face of fierce competition with Internet Finance,the retail banking can not only avoid the financial risk by using the advantage of commercial banks,but also develop the traditional retail business with the help of internet technology,thus the future has a broad space for development.
出处
《中州学刊》
CSSCI
北大核心
2016年第6期29-32,共4页
Academic Journal of Zhongzhou
关键词
互联网技术
互联网金融
发展创新
零售银行
internet technology
Internet Finance
development innovation
retail banking
