摘要
互联网金融的兴起正值我国金融业改革的关键时期,是金融体制改革与互联网技术发展的必然结果。互联网金融不仅是传统金融的有益补充,而且会推动我国的金融效率提升、交易结构和金融架构的深刻变革。互联网金融对原有商业银行带来"去中介化""泛金融化"和"全智能化"的新的挑战,商业银行需大力发展服务功能创新、服务渠道创新和平台模式创新以应对互联网金融的冲击和挑战。
The boom of internet finance is an inexorable outcome of China＇ s financial system reforma- tion and internet technology development; it comes as a key period of China＇s financial sector reform. It is not only a useful supplement of traditional finance, but also the driving force of profound reformation of China＇ s financial efficiency, financial trade structure and architecture. Internet finance brings the new challenges of ＂disintermediation＂, ＂mixed finaneialization intelligentialize ＂ to traditional com- mercial banks. Correspondingly, original commercial banks need to vigorously develop the innovation of service function, service channel, and service platform.
出处
《金融理论与实践》
CSSCI
北大核心
2013年第12期66-70,共5页
Financial Theory and Practice
关键词
互联网金融
商业银行改革
经营对策
internet finance
commercial banks reform
management countermeasures
